23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Product: Student loan

I was dealing with XXXX XXXX in XX/XX/XXXX to maybe XX/XX/XXXX(? ) til then the school filed bankruptcy and closed that I went too. I am STILL dealing with these loans that I took out in XX/XX/XXXX. I made payments for several years of {$750.00} a month. Somehow 19 years later.. I owe XXXX XXXX dollars when I only borrowed about {$18000.00} because the rest were grants. And I paid monthly payments. School shut down.. XXXX XXXX sent me a letter saying XXXX balance, then years later started getting letters again from Fed Loan.gov and Navient is on my credit report. NO ONE LISTENS. It was a XXXX XXXX. 20 YEARS AGO. I DO NOT OWE {$100000.00} DOLLARS!!!!!! I was XXXX ... I am now XXXX..it has HAUNTED ME my entire life!!! TOTAL SCAM. THE LADY NOW OWNS A NEW XXXX XXXX IN THE AREA!!
Product: Credit reporting or other personal consumer reports

Transunion has claimed multiple account meets FCRA standards when Account clearly violate standards of accuracy as they are not present on other reporting agencies. When Ive called to dispute incorrect account I have been treated with racist side remarks, spoken over and told I was wrong on multiple occasions. When Ive submitted my accurate credit report its been ignored. Its now obvious that Transunion has a preconceived idea toward minorities and how they feel about resolving issues as even when presented with updated information they refuse to resolve issues. Transunion has not resolved any disputes for XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX in the last XXXX  days and has reset the dispute as soon as due the last XXXX rounds. Attached is my XXXX file that Transunion has ignored in order to keep score suppressed to hinder me from having a accurate credit score
Product: Debt collection

My name is XXXX XXXX and I lived independently at the purported time of this collection, at the same address I had lived for 16 years prior I only came to know about this because I recently checked my credit and viewed a debt collection by " Conrad Co '' ( http : //www.conradco.com/ ). at which point I called them to find out more on the account. This debt appeared to have been filed in XX/XX/XXXX and resolved in XX/XX/XXXX. The problem is I was never contacted by phone, mail, email, or otherwise regarding this " collection. '' They explained that this was for a property/timeshare owned by my father, and they had sole communication with him, and ultimately settled the debt with him. I am very careful about my credit, and I fail to understand how I am severally liable, especially when I was NEVER contacted by the debt collector, OR the entity which was trying to collect on the debt??? 
I now have a negative flag on my credit, and they refuse to remove it despite their acknowledged lack of communication with me and ultimate settlement of debt my my father? 
Again, the only reason I even learned of this was because I just checked my credit. Please tell me how I can get this off my credit report, thank you most kindly,
Product: Credit reporting or other personal consumer reports

REVIWED MY CONSUMER CREDIT REPORT WITH BOTH XXXX & TRANSUNION XXXX AT THE AMOUNTS OF SOFT PROTIONAL INQUIRIES. THERE ARE OVER XXXX PROMOTIONAL INQUIRIES EACH. AMONG THE PROMOTIONAL OFFERS ARE XXXX HARD INQUIRIES WHICH ARE SET TO BE REMOVED IN XXXX OF XXXX. I DID NOT AUTHORIZE THESE ANY PROMOTIONAL OFFERS NOR WAS I EXTENDED A LINE OF CREDIT. ALL INQUIRES TO BE REMOVED IMMEDIALTLEY. THIS IS IMPROPER USE OF MY CONSUMER REPORT AND ALL CONFIDENTAILLY HAS BEEN BREECHED.
Product: Credit card or prepaid card

XXXX {$10000.00} I have been waiting for my money since XX/XX/XXXX.
Product: Credit card or prepaid card

Recently I have received credit card ( mailed  ) by Synchrony Bank, without my previous request. When I tried to activate the card, I was mislead to close my old account and open a brand new one which caused negative effect on my credit score and affected all my future financial plannings. I reported this situat ion to the Bank, they shown little understanding about the situation they involved me, in which by my opinion I was dragged in without my request or desire.
Product: Credit card or prepaid card

On XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau against Barclays for their failure to comply with XXXX guidelines in investigating my quality of goods and service dispute for a purchase with XXXX XXXX. On XX/XX/2023, Barclays responded to my complaint and acknowledged that I provided the necessary documentation for the dispute and initiated a chargeback. While Barclays acknowledged my timely submission and the appropriate documentation on XX/XX/2023, they sent conflicting correspondences dated XX/XX/2023. One letter falsely claimed that I withdrew my dispute, while the other letter stated that the merchant did not violate the terms and conditions of the sale agreement and that their cancellation/refund policy was not followed. 

I want to emphasize that the core of my dispute lies in the fact that the roller shades I received from XXXX XXXX were severely damaged, defective, incorrect, and completely nonfunctional. It is only reasonable to expect that I would not be expected to keep items that exhibit such serious flaws. Despite providing all the necessary information to support my claim, Barclays failed to conduct a comprehensive review and neglected their obligation to credit my account in accordance with the guidelines set by XXXX.
Product: Debt collection

HARVE7ST ASSOCIATES KEEP ADDING MORE DEBT EVEN IT DOESNT BELONG TO ME
Product: Mortgage

I received notice that I needed to provide the mortgage servicer updated information on my insurance renewal. I submitted it 4 times, starting in XXXX before the lapse date, and the servicer failed or refused to pay the premium causing the policy to lapse.
Product: Money transfer, virtual currency, or money service

Company scammed me out of {$5.00} and has failed to appropriately add credit to my wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating a background check a XXXX charges come up in 2016 in which I took case to trial and was found not guilty of all charges so this record should not be considered of my employment
Product: Vehicle loan or lease

A payment was scheduled on XX/XX/XXXX with XXXX at BMW Financial Services, at  that time she did not state there is a notice of default going out, the rep I spoke with yesterday on XX/XX/XXXX, XXXX, stated a notice was sent out but I have not received it. He stated it was sent around or after I scheduled payment with XXXX, XXXX further stated full past due amount is due on XX/XX/XXXX to avoid repossession according to notice. A payment in the amount of XXXX is scheduled for XX/XX/XXXX, this is the payment scheduled on XX/XX/XXXX with XXXX. I scheduled an additional payment with XXXX on XX/XX/XXXX in the amount of XXXX for a future date of XX/XX/XXXX. However, the notice which I have not received states full past due amount is due by XX/XX/XXXX to avoid repossession as stated by XXXX. The earliest date I can cover past due amount is XX/XX/XXXX, I wish to avoid repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit card or prepaid card

In XX/XX/XXXX, an automatic payment was processed for the entire credit card balance. I had previously chosen autopay, but for minimum balance due. I called and synchrony could not reverse the payment, so I waited over the weekend and my bank declined the payment. Nonetheless, it caused about {$200.00} in overage charges from my bank and my balance rested negative ( a few thousand ) while being reversed. When I called synchrony this time I was polite, customer service told me to provide documentation of my negative balance via fax in order for them to reverse it. I ended up not needing to do that, as my bank took care of the issue. 
XX/XX/XXXX, the same thing happens. I call and am met with resistance from synchrony customer service. I ask them to figure out a way to reverse this as its the second month in a row. They say there is nothing they can do and its my fault. Im transferred to a manager who also says they cant even credit the interest charge, saying I was never charged anything extra. I believe I was, because I was charged interest again after the payment was reversed and the balance went back onto the card. I asked the manager to put herself in my shoes. At one point I used the f word in a sentence. I did not direct any derogatory language at the manager or any other employees, I was simply frustrated and made a statement such as I can f-ing believe this. The manager became condescending and threatened to end the call if I did not use proper language. I told her to stop and transfer me to someone else because this is a ridiculous situation and I have a right to be frustrated. ( Not to mention we have a right to free speech. I would understand ending the call if I directed anything at an employee, but I did not ). I asked for another manager and she stated multiple times while speaking over me, The second manager will not do anything different, Im just setting your expectations and continued to be condescending. I waited on hold for approximately ten minutes, when the first manager came back on and said she was having trouble with her phone and honestly couldnt connect me to the second manager. Feeling this was a game, I decided to end the call. 
Now its XX/XX/XXXX, and I have harassed with phone calls and letters since. I have decided to take out personal loans to pay my credit cards instead of dealing with synchrony. I open my credit card accounts today to check everything and get ready to pay the main card I had an issue with. Lo and behold, I find out synchrony has closed ALL THREE of my credit cards, even the two that were in good standing and had no issues. 
I cant call synchrony because I will be met with the same resistance as last time. Its like talking to robots and i feel like there is no recourse for how they treated me and for the position they left me in financially.
Product: Credit card or prepaid card

I'd like to complain about the fraud monitoring process for this credit card. 

I had a fraudulent charge on my PNC credit card. The company is investigating the matter further in their internal system. I asked the company why there was not an alert sent regarding this charge and asked to speak to someone on the matter. I was told the charge did not warrant a large enough risk score for their algorithm for alerting me. 

The fact is that this charge was to a vendor never before used by me, in another state far from my residence, for a rather large amount for a one time payment. The risk scoring methods seem misaligned as regular charges in my credit card report are called for alerts but this one-off spending habit does not. 

I have used this credit card company and have had fraudulent charges arise before. In none of these prior cases and this one has there been relevant alerts for the types of charges.
Product: Debt collection

Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?
Product: Debt collection

This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services  on  XX/XX/2017    and spoke to  XXXX   ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp, ( Block inc. ) due to inadequate customer service and unfair problems/ practices. To my knowledge this violates the consumer financial protective act ( CFPA. ) Cashapp specifically failed to take timely and effective measures to prevent fraud from happening on their platform. I felt as if my account was open, unprotected, and vulnerable to anyone that really wanted access. Furthermore, cashapps dispute resolution process was deceptive, misleading, and poor work. 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 lost and I seek the appropriate redress for these violations.
Product: Credit card or prepaid card

I closed my American Express account back in XXXX of XXXX after my information was compromised the balance was paid off and was at {$0.00}. 

In XXXX of XXXX when i went to purchase a new car i notice another AMEX account that has been used in my name since XXXX of XXXX and it and a high balance. 


That was the first time I found out about that account. And they been using my bank account to make payments to that credit card. I have an Amex XXXX  account so when I see it on my statement I assumed it was paying the XXXX card.
Product: Credit card or prepaid card

I file this against XXXX XXXX debit relia card .on XX/XX/XXXX i did not get my money when i went into the XXXX XXXX to make a cash withdraw with the XXXX XXXX debit relia card XXXX XXXX XXXX XXXX valid thru XX/XX/XXXX security code XXXX of {XXXX}. i please ask for it be refunded on to my card.i file this complaint againt XXXX XXXX debit relia card company. There cameras in that it will show i did not get my money. I ask for a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove inquiries despite the have a credit freeze and identity theft report. Equifax is refusing to unblock my XXXX XXXX XXXX account which is open and in good standing. Equifax has my name and address blocked and are refusing to remove the block despite me not having a freeze on my account. Equifax has an inquiry XXXX XXXX  blocked and they can't access my credit report. Please delete the following inquiries : XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Unblock my name and address.. my XXXX account and XXXX XXXX
Product: Checking or savings account

I placed an order on XX/XX/XXXX online via my phone for cookware, ad said it was free, I only had to pay the shipping. I have never received the cookware to this day. When I received my XXXX statement, there were XXXX charges. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I called Rockland Trust, and filed a dispute. They said because I gave them my card number online, there was nothing they could do, I should contact the vendor. I called them and they said I had signed up for a drawing for this cookware and said they would be happy to give me a partial credit. I said I didn't sign up for anything but the free cookware, and I only authorized {$6.00} for the shipping. She continued to argue and I explained I received absolutely nothing from them and she agreed and said it was because I didn't win. I asked her to please credit the entire amount and she said she was unable to do that. 

I called Rockland Trust back and and said I never authorized those three charges, and they said there is nothing that can do. This is just so unbelievable.
Product: Mortgage

My husband passed away XX/XX/2015. Investors bank would not help me or work with me. I asked them to put the few months of mortgage that I owed onto the back end of the mortgage. Instead they did everything they could to foreclose on me. Which they did. I hired a law firm in california and they said to file for bankruptcy to save more time, but they just took my money and now I have a dismissed bankruptcy on my credit file. 
I have all of the information, documents, etc.
Product: Mortgage

Chase has outright lied to both their borrowers and ourselves. We recently submitted a short sale package for consideration to Chase and were called by XXXX at extension XXXX that the short sale had been declined as the investor required that the sellers live in the property to complete a short sale. One problem. This loan was originated as non-owner occupied and Chase has known this all along. XXXX had little to no information to give us ( honestly it would have been far better to have just sent the decline letter as he was totally worthless on the phone ), could not answer any questions ( or was told to lie ), became evasive when questions were asked and couldnt even tell us if the Chase was delegated on the file ( I honestly dont think he knows what the term means ), and if not, had it actually been submitted to the investor. Honestly, we have come to know Chase as a lender that spends little to no money on it loss mitigation department and are generally lied to on all of the files we submit to your company. The final comment that has driven this federal complaint was when asked, XXXX stated that they didnt have to offer foreclosure avoidance options. Here is what we would like to have happen : 1 ) Is Chase delegated on this file 2 ) Whom is the investor that owns the note 3 ) If note delegated, was this file submitted to the investor 4 )  Why were we told that Chase does not comply with California law and offer foreclosure avoidance options? 

This is yet another example of Chase breaking federal and state laws without any regard whatsoever to their investor, their clients, and their own employees. 

I look forward to your response, but have come to realize that the responses you send back rarely answer the questions at hand and often are fabrications of the truth. 

CC : XXXX XXXX, Attorney General of California
Product: Debt collection

Bank XXXX XXXX claims I owe a debt to them. I do not recognize this claim as I am a victim of Identity Theft. I have written several letters asking for VALIDATION, as described in the FDCPA and only received COPIES of statements. This is not VALIDATION under FDCPA LAWS. I am now being harassed by a company that says they represent Bank XXXX XXXX called XXXX and XXXX working on the behalf of Bank XXXX XXXX. I have signed no contracts with either. If they have evidence that I have, all Im asking is to see the wet ink signature I allegedly signed with either company. Copies of statements are pointless as they do not prove I have contracted with either company, BOTH claiming I owe some sort of debt. How is this legal??? Its not. Then anyone can claim I owe a debt to anyone? Just want to see ORIGINAL contract. Who is XXXX XXXX XXXX? Where is my contract with them? XXXX? Where is the original??? Without evidence in which I am requesting and have requested, under the FDCPA and FCFA, I will be entitled to the full amount of the claim owed plus interest. If I do not receive proper VALIDATION within 30 days ( not copies of someones statements ) I will be forced to file Liens. I will not hesitate to do so as I have been harassed by both Bank XXXX XXXX and XXXX and XXXX. I WILL file Liens on both companies as they have both caused me harm and duress.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about account with the collection name of [ XXXX XXXX XXXX ]. 
Original creditor- ( XXXX XXXX ) {$6600.00} The collection account number is not listed on all three credit bureaus and the date of first delinquency has been fraudulently reaged.
Product: Debt collection

I never got a letter in the mail saying i owed this debt. I did write them a letter and they never responded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attaching my report I am not thrilled about how XXXX XXXX and equifax have attacked me they need to update and fix info that is not accurate on my report Im attaching that info there is accounts on my credit that are over 7 years old that need to come off Im not allowing the bureaus to ruin my score with false info any longer Im also contacting department of justice and XXXX XXXX is a fraudulent account that needs to come off