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

According to   XXXX   and Equifax, I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of    2015  with no response or validation that I owe a debt, so I s ent two  certified letters to both   XXXX   and Equifax in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company on several occasions asking them to provide me with the information that have under my name and social. I asked them to prove they had the legal right to report this information on my credit report. They have failed to provided me with any information regarding this matter. I sent off certified mail and called multiple times. They need to provide this information showing they or in compliance with FTC, FCRA, IFRS, G.A.A.P and BASEL3 regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

My credit report has been recently affected due to an account I am unaware of going to collections from XXXX. I disputed the account with credit report companies and was told that I owe ATG CREDIT {$250.00} for an unpaid cable bill from XXXX XXXX XXXX. I contacted ATG and they said they could not share any information regarding the bill over the phone and had an email on file that was not mine. They then said they have " disputed '' the charge and will send me the bill through mail. I contacted XXXX  XXXX XXXX and they have never serviced any of the buildings I lived in nor have any information about my " account ''. They looked up my name, addresses and nothing has showed up. I don't understand how I am just not being notified about an account in collections from XXXX. I've never missed a payment on anything. This is clearly fraud and the people at AGT Credit are extremely rude and unhelpful. XXXX  XXXX was extremely helpful in that they searched everywhere for my information/account and nothing showed up. They were eager to help me but had no information about this debt to even understand where to begin.
Product: Mortgage

Green Tree Serviving.LLC .... 
I have been harassed., threaten., account infomation withheld., and Sumomon to court for repo. 
While in bankruptcy., called., theaten me., said I was not in bankruptcy., ,for me to get out of they home., '' We are coming to get it ... '' Sick of fight them..! 
Brougbt in XXXX ... Been fight Green Tree Services until this day ... .Enough ...!!!
Product: Credit reporting or other personal consumer reports

I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. XXXX XXXX account number XXXX opened XX/XX/2024 past due {$460.00} but reporting on XXXX balance update XX/XX/2024. how is this possible if the account was opening XXXX. please fix
Product: Credit reporting

After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.
Product: Credit card

I noticed XXXX charges on my XXXX XXXX credit card with Chime that I did not recognize. Both charges were from the same merchant : XXXX. XXXX charge was for {$99.00} and another for {$200.00}. I immediately called Chime, canceled my card, and began the dispute process. This was on XX/XX/year>. I provided documentation, such as my email correspondence with the merchant ( confirming it was a fraudulent charge, and the merchant offered a store-credit, which I declined due to this store being over 1,000 miles away from me ), proof of my being at work-in another state than where the charge was made, a police report, and written statements. This dispute has been denied four times, and when I request the documents they used to find no error was made, they have only ever sent me my initial dispute intake form that I filled out. No documents from the merchant, no other investigation documents. This dispute is currently in another open rebuttal, but has not yet reached a fair resolution. I call Chime every single day and get no assistance.
Product: Credit reporting or other personal consumer reports

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX  XXXX XX/XX/year>2018 amount XXXX
Product: Debt collection

I file a dispute with trans union on XX/XX/XXXX.This was for a medical bill while I was cover by XXXX  with a XXXX supplement plan and va coverage..The doctors did not submit the bill to my coverage in a timely maner and sent it to americollect who enter it on my credit report. when I file the dispute on XX/XX/XXXX they had the amounts of {$110.00}. and XXXX dollars. They said that it was not cover by any of my insurances.But took the XXXX dollar amount off the report..This was done on XX/XX/XXXX..The XXXX stay on my report until I paid it on XX/XX/XXXX.. I have no billings from progressive physician associates.. now americollect has added a new charge to these same physician on my credit report for XXXX dollars on XX/XX/XXXX.. I do not owe this and beliee I never owe the XXXX amount.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have requested to be opted out of clarity services. Went online and was unable to do it. So mailed a letter 30 days ago using this address with no response Clarity Services , Inc., A part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX Please opt me out and freeze my clarity report immediately. My information is attached below
Product: Bank account or service

Please DO NOT close my complaint # XXXX. Capital One is still sending texts to my mobile phone and they will not stop. The account they are referring to is not mine. There is not a way for me to add a comment to my complaint so I an opening a new XXXX. I have been trying to resolve this with Capital One for months. They will not stop texting my phone.
Product: Checking or savings account

Evidently banks can now close an account after only a brief period of inactivity and hide your money. I received a letter [ Copy attached ] saying My account at DISCOVER CARD BANK containing {$25000.00} + dollars was closed. I never authorized such, When I called asking for my money. .they claimed they mailed me a check which, they claim was deposited.. I NEVER RECEIVED SUCH. A CHECK. 
When I asked to see a copy of said check they claimed they couldn't find it. 
When I asked where it was deposited, and by whom,, '' THEY DON'T KNOW ..... 
I'm a widow of a veteran PLEASE HELP ME GET MY MONEY BACK..
Product: Credit reporting or other personal consumer reports

In XXXX I bought a tractor from XXXX and financed it interest free my credit score from ( Trans Union ) was XXXX and excellent. after I bought it my credit score went down XXXX points bringing my score to good. now over a year later making payments on time and never missing a payment my score has only gone up XXXX points.
Product: Money transfer, virtual currency, or money service

For business purpose, I sent a tranfer from my XXXX  bussines account to XXXX XXXX 's Bank of America account on XX/XX/XXXX XXXX. The wire tranfers was received in Banck of America but it did go through to XXXX 's Account, it is on pending status in Bank Of America. I have been waiting for two months for this issuse to be resolved. The amount is {$12000.00}. I have called many times and they just said it's in pending status. The wire tranfer was canceled ending XXXX, and Bank of America has not sent my money back. This is urgent for my because its my money, I need to pay my bills and it is ilegal to appropriate others money.
Product: Money transfer, virtual currency, or money service

Hello i lost my my wallet with my credit card around XXXX XXXX XXXX, 2024, and i had a series of unauthorized money transfers from my card to a robinhood account totaling {$8200.00} dollars. I opened up a dispute with my wells fargo card and got a replacement card. After many days of investigation and me calling multiple times they closed my dispute and said that i made this purchases when i did not. I will need my refund of XXXX XXXX because i did not make these transfers. Please i need my money back thank you
Product: Credit reporting or other personal consumer reports

XXXX # XXXX This account I asked to be deleted not updated. I sent out Verification letters to this company which I also sent to your company. It was not verified by the said company therefore can not be verified by your company. Before further steps has to be taken I ask that you obey the law and delete this account from my credit reporting I demand you remove all references to this account from my credit report within 30 day. This is the third request for this to be done. Attached is the return letter to verify this company received verification letter. I also have copies XXXX XXXX
Product: Mortgage

Home Point Financial has been delaying giving my escrow money back after I paid off my Mortgage. They are holding back almost {$5000.00} of my money and wont give it back! They have told me they mailed it weeks ago and I still havent received my escrow refund. I think someone at this company has embezzled my escrow funds! This is the second time I am asking for help in getting my reimbursement back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

XX/XX/2022 we engaged with Schumacher Mortgage to build a new home and XXXX XXXX discussed with us a XXXX XXXXXXXX XXXX that we use 20 % of our home value down as a pre-payment for a new home. The numbers we discussed were our current home was appraised to sell at {$520000.00} and we owned {$300000.00}. The numbers on our contract are {$300000.00} + {$150000.00} for a total of {$460000.00} to pay Schumacher when we sold XXXX XXXXXXXX XXXX. We sold XXXX XXXX  for {$540000.00} and made more profit than expected and Schumacher is trying to force us to re-finance and dictate where the additional funds we made from the sale will go without our consent or agreement. As we discussed {$520000.00} is the number that we would profit for our house Schumacher can not play XXXX with someone's profit and try to tell us as the consumers and homeowners where the funds should be allotted. My husband and I have both tried to talk to XXXX XXXX ( NMLS # XXXX ) and the XXXX XXXX XXXX ( NMLS # XXXX ) to resolve this and we are getting XXXXhree different reasons as to Schumacher is saying that they can take our additional funds and I have read our loan papers and there is nothing, nor is it spelled out clearly and we asked them to highlight it and provide us the terms that show they can play XXXX with our profit. We also need to see where it states the profit needs to be applied bc we have in emails three different reasons and areas.
Product: Bank account or service

I have been a loyal BOA ( Bank Of America ) customer for roughly 7 years now. When I originally opened my account, I was told if I get direct deposit into my account, I would not be charged any fees. I went ahead and set up my direct deposit and from that day on was NEVER charged a fee. Until last month. Last month I checked my account on the mobile app, as I do daily, and noticed that I was charged a XXXX dollar monthly fee. I called customer service and spoke to a woman who happily waived the fee, apologized for the inconvenience and assured me it would not happen again. Well, it happened again this month. Although this time customer service was not so friendly. I explained to them my situation and they told me the fee was valid and continuously explained to me the their CURRENT standards for opening an account and how to avoid fees. I expressed that those were not the same standards as when I opened my account 7 years ago, and they told me there was nothing they could do. They told me nothing has changed on my account in 7 years. I asked how that was possible considering I had never been charged a fee in 7 years and now I 'm being charged a fee. I told them THAT is a change. They denied, denied, denied and continued sending me their current standards for opening an account. I used to love banking with BOA and even referred a couple of friends. It 's sad that after 7 years of being a loyal customer, this is how you get treated - without even an explanation as to why.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the XXXX, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX EQUIFAX JUST XXXX OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A XXXX GOVERNMENT XXXX AND NOW EQUIFAX IS XXXX IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING XXXX  FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


XXXX is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious XXXX  to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These XXXX  at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say XXXX  owe. I demand an investigation and I demand for a response to these allegations. XXXX not XXXX XXXX let this go XXXX  XXXX  up there in XXXX nobody will anything about it but I have a voice too and XXXX going public on you and your XXXX  ambulance chasing company. You broke the law and justice will be served. Wait for it
Product: Credit reporting or other personal consumer reports

I have had fraudulent information applied to my account twice now by XXXX startng XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Causing multiple credit score drops, this information was not verified by this agency before applying to my credit report.I contacted my bank and my credit limit was not dropped, also my credit length with multiple companies is not correct also Causing another score drop. This company reports any negative information immediately and does not report any positive info for a month or better. Thus Causing multiple score drops and a yo yo effect to my credit scores..if you use your credit your penalized, if you don't use your credit your penalized. If you don't have 20 accounts opened your penalized, if you pay your total balance monthly your penalized..this is a no win situation and needs to addressed and regulated more.credit history plays a big part of life and living and these companies are playing games with our livlyhood.the cfpb needs do something about it and not ignore these ongoing problems like you have in the past
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a twin sister that open and account with XXXX time share and she used all my personal information her and a friend of her 's went out of town to XXXX XXXX and brought a time share i have since then file a report with Ftc, Attorney general office and experian along with i have a police report and made the other credit report agency aware i have a identity theft report also. i contact XXXX still no response back to close this off my credit report i have sent in all documents to prove it isn't me i just want this out my credit report i have worked to hard to get my credit score up i have been deputing this for the last 5 or 6 months. I have sent over all requested document to experian and still waiting for XXXX so i can send them information as well but no response this is a {$6700.00} dollars debt i want off my name ASAP each time i call told someone will contact me in 3-5 days still no call yet
Product: Credit reporting

I will have to send to you my experian report no XXXX and XXXX. 
My problem is ongoing for over 20 years i am being denied credit. 
Someone is filing old stuff back on and back dateing informationone is XXXX XXXX bank XXXX wirelessother inquires and bankrupcy filing that are dismissednot reporting or removed. 
mostly old stuff also XXXX is reporting a small loan for {$60.00} which has been disputed. 

I want the agentcies to give me a clean slate this is not fair Im trying to re start newcredit and also using my score to be low. 

If they dont stop I feel that I may have to file a XXXX action against all parties. 
I would like to get this removed for good and they are old. 

I will gather more reports when i get them. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name :XX/XX/XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.