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

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Product: Debt collection

Transworld Systems Inc. ( www.transworldpayments.com ) continue to call my home, harass my family, and send me letters for a debt of {$120.00} for a medical bill that I paid over a month ago! I have shared the receipt, and yet they continue to harass me.
Product: Credit reporting or other personal consumer reports

I am writing to express my discontent with your recent claims concerning my accounts. I hereby dispute these assertions due to a lack of substantial factual evidence supporting your allegations. Therefore, I strongly urge you to initiate a comprehensive investigation into these matters promptly. 

These claims have cast a significant shadow over my financial standing and hold the potential to cause considerable harm to my creditworthiness. It is imperative that we swiftly and accurately resolve this situation to prevent further detrimental consequences. 

I request that you promptly challenge this account and provide me with well-documented evidence to support your position. Failing to do so will compel me to pursue legal action to protect my rights and rectify this matter. 

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

I requested validation and verification of an item being reported by a collection agency. They have failed to provide the requested items in my dispute letter to validate this debt. The first letter was sent certified mail and they received it on XX/XX/22. They replied with a generate response of " they verified '' the debt is mine so another letter was sent, certified, to them on XX/XX/22 and they received it on XX/XX/22. Per Federal Trade Commission 's guidelines, no proper debt validation has been provided.
Product: Mortgage

Hello Team, I had asked my Mortgage provider, Union Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with XXXX XXXX XXXX XXXX and exclude it. Neither the bank nor the XXXX XXXX XXXX XXXX never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in XXXX XXXX XXXX XXXX. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around 4 weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, XXXX
Product: Credit reporting or other personal consumer reports

See Attached. 


I would like this account deleted from my credit report as this account has been paid in full and is currently still on my credit report and hindering my score.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Each account has a different date on which it was opened on each Credit Bureau. 
Its also determined during my investigation thats its a violation under the Fair Credit Reporting Act. U can't re-age debt an account. These company ( s ) have provide incorrect errors/information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.
Product: Money transfer, virtual currency, or money service

My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX XXXX account was permanently limited without reason or explanation, in violation of PayPal 's own Terms of XXXX. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money NOW, not in XXXX months. This is my money and I should get it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic. 

I already filed a complaint with the BBB and Paypal took a month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW, not in 180 days - This is my money and I should be able to access it immediately. 
Please help me. 
Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Medical Data systems since the last complaint to the CFPB. I contacted them twice on X/XX/2017 the first persson I spoke to was very rude and I let her know I never recived anything in writing and she went on and said have you been checking your XXXX XXXX in a sarcasm manner I told her yes and I still have not received anything from this company. She also never offered to send me anything else she just told me to pay the {$100.00} I told her I will pay them there money if they delete it off my credit report and they refuse to do anything. The second lady I talk to looked at the ladys notes from the call before and she hung up on me and that is very unprofessional. So I 'm very upset with Medical Data Systems. I also informed the first lady I will be filing this 2nd complaint with the CFPB and be contacting an attorney. Her response was go ahead and file another complaint with the CFPB. If your going to hire an attorney she said you just need to pay the {$100.00} you owe us very rude.
Product: Debt collection

I contacted MIDWEST RECOVERY SYSTEMS by certified mail o n 2 occa sions concerning an entry on my credit report, I explained that this is not my account and it is fraud, I have had no dealings with  XXXX    XXXX   XXXX  , I am a veteran with a   XXXX   XXXX     XXXX  and can not participate in such activities. I ask them to provide documentation of this entry bearing my signature and they have failed to do so. Any help you can give me in this situation is greatly appreciated. I will take them to small claims court if this is what I have to do.
Product: Debt collection

I have reached out to XXXX around XXXX of XXXX  and through out may to dispute a fraudulent charge under my name for {$3800.00}. I have never opened an account with XXXX i was told they couldn't do anything and to contact the debt collector. I have no idea which debt collector to contact since i was never sent a lettter, email or phone calls about this debt. I wasn't given the option to dispute this debt through XXXX  nor XXXX. This charge for XXXX dollars was XXXX fraudulently and i have XXXX information about this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXXXXXX - PARTIAL ACCOUNT NO : XXXX .... was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
Product: Checking or savings account

On XX/XX/2021 I payed a credit card bill to First XXXX Bank for the amount of XXXX. The next day I deposited XXXX cash in my checking at Chase JP Morgan ATM at XXXX XXXX & XXXX XXXX. in XXXX Az. When I looked at my receipt my bank account was XXXX to the negative when in actuality I should have had over 400.00 to the positive in my account. My account was charged 125.99 cents 21 times on the same day. I went to the bank and they took off a few charges. Persons name was XXXX XXXX believe. He was one of the persons in charge back in the nice offices. Still in a negative balance I want to know why this happened, I was told a computer glitch. After multiple calls to Customer Service Reps we were able to get the charges lower. I then reached the Executive Offices and spoke with XXXX who is a Exec. Assistant and she said she would look into it and see what she could find out. XXXX returned my call a few days later and told me that this computer glitch affected 2 people, me and someone who she could not tell me who for obvious security reasons.So basically I was without access to my account for well over a week and could not make any payments for all my other bills. I have lost XXXX points in my credit score from this to which they have no answer. This money taken from my account has caused me to lose late fees, caused enormous grief and stress and on top of that I have XXXX XXXX during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXXr XXXX XXXX date open XXXX XXXX
Product: Credit card

I have been charged interest twice when I paid off an account before the end of the statement due date. ( Chase Card ) EX : I owed {$10000.00} due XXXX XXXX I paid XXXX in various amounts before the due date. 

I was charged interest of {$64.00} Upon calling the supervisor to ask about this I was told this was residual interest from a XXXX statement that I owed. I then asked what I then owed and was told {$980.00} and they would give me {$6.00} + in credit and redeem my earned points. I paid the XXXX that the supervisor told me I owed before the due date of XXXX XXXX anbd when I called the bank today to make sure I had a XXXX balance there was yet another interest charge of {$35.00}. I called a supervisor again today and XXXX the supervisor told me it was residual interest since I talked to XXXX the supervisor on or about XXXX XXXX. 

I thought you could not be charged interest if an accont was paid off in full before the due date.
Product: Mortgage

The servicing of my mortgage was transferred from XXXXXXXX XXXX to Dovenmuehle Mortgage , Inc. ( DMI ), effective as of XX/XX/2023. In updating my payments, which I send automatically by check through my bank, I realized recent payments have been misapplied. I make my regular mortgage payment at the beginning of every month and I make an extra principal payment in the middle of the month. I have been doing this for years without issue. However, XXXX has incorrectly applied/failed to apply at least XXXX principal payments and has not been willing to help resolve the issue. I called Amalgamated about this during the first week of XXXX. The representative told me to discuss with DMI. I called DMI who told me that, because my mortgage had been transferred, DMI did not have historical information and to ask Amalgamated to send the last 12 months of transaction history to me and to DMI. I did so and received that information. I called DMI again on XX/XX/2023 at XXXX XXXX EST. The representative told me to send the transaction history to XXXX ( DMI 's " research department '' ) and to explain the issue so that they could resolve it. I did so on XX/XX/2023 at XXXX XXXX EST. I got no response. I have repeatedly followed up and have not received even an acknowledgement that my email was received. In the meantime, my principal payments have been misapplied as regular mortgage payments and my current mortgage payments are being applied an entire month early. This needs to be resolved before the end of the year. My principal amount is larger than it should be! It is unacceptable that I am being charged extra interest through no fault of my own and without recourse!
Product: Credit card

I am writing today to let you know I am having issues with Captal One due to the fact they are saying they do not know that I am the person using the Sparks Business Capital One Visa Card. I told them numerous times and I told them I sent them a fax with my driiver 's license picture, license number and address in the driver 's license as well. Also, I sent them by fax my social security card which I told them what nobody else knows that I am from XXXX XXXX. Also, i sent them a copy of my utility bill from XXXX from my home address XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX XXXX. And Capital One is still telling me they still have to verify if the person that is using the card is really XXXX XXXX XXXX. I kept telling them my name is under my picture. How can you not know it is me? Anyway, I had to hang up the telephone because I got upset with them since I was trying to purchase something from XXXX and could not purchase anything due to the fact they deactivated my card because they said their was fraudulent activity going on with the card when really I was the only one using the card ever since I got the card in the mail two weeks ago and they are just now trying to find out if thier is fraudulent activity going on they do not know how to handle any business. Capital One told me it would take the fraudulent department 3 days to validate and verify the person that is using the card is really XXXX XXXX XXXX. Please help me, because I have to take my card back to the car rental place at XXXX tomorrow and I need the money on the card to put gas in the car otherwise I will be severely penalized on my credit card and XXXX will charge my credit card XXXX because I did not fill up my gas tank or leave it on full before I return my vehicle to XXXX the car rental company tomorrow at XXXX. That is why Capital One does not understand the harsh implications of their actions could mess them up as a company and mess me up, due to the fact I will have less money to use due to their actions of deactivating my business visa credit card due to fraudulent activity. Also, I am trying to take care of getting my car out the shop, so I will have transportation to and from work as well. So I was trying to get a cash advance for that as well to pay for my car to get fixed, so I can put my car on the road as early as next week. I have a {$1000.00} more dollars on my card and I was only trying to use {$550.00} today and after the hold was taken off my card for the car rental at XXXX on tomorrow I was going to pay another {$200.00} for my car to get fixed promptly, so I could have use of my own vehicle that someone tore up and did not repair the damages. I ended up repairing the damages myself. A person that messed my car was XXXX and she tried to avoid me by moving all the way to XXXX. So I have to do an investigation to try and find her so I can make her pay for the damages she caused as well to my vehicle. I have an XXXX, which I paid {$5000.00} for with cash.
Product: Credit card

I applied for XXXX XXXX through Wells Fargo in which I have a credit card with already. They denied my application with the majority reason being low balances on a Wells Fargo checking account. However, that checking account was never used and was closed out. Ive disputed it with Wells Fargo and they kept that as a reason for 3 different denial causes. They also dont reach out to me to provide updates, I have to reach out to them each time to inquire about it. Its strange that Id be denied for an account for a closed checking account that wasnt used. Despite having thousands in XXXX Accounts and XXXX. Also having a XXXX FICO score and XXXX in income.
Product: Mortgage

On XX/XX/year> a full modification package was received by SPS and acknowledgement letter was sent dated XX/XX/year>. The letter indicated that the attorney will be notified and will be asked to cancel sale date if one has been scheduled. I have called the ombudsmans department and spoke with someone who let me know that the sale date will be cancelled. Till this day it has not been cancelled yet. Spoke with another person in the same department but he was not helpful and giving erroneous and misleading information. Called the attorney myself to notify them about my modification review but no one called me back after several messages were left. The sale date needs to be cancelled as of right now the dual tracking law is being violated. Sale date is scheduled for XX/XX/year>. A notice of error notice has also been sent out.
Product: Credit reporting or other personal consumer reports

I requested a debt validation for an alleged rental debt, there is not one signature on the contact which was mine. They are all computer generated, solidifying that I do not have and have not signed the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report, an account with Comenity BankXXXX  appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to Comenity. XXXX  and XXXX BOTH report this information accurately, but XXXX   does not. I filed a dispute with XXXX, who has not been helpful. I contacted Comenity and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with XXXX. I want my XXXX   report to look the SAME as XXXX and XXXX, which both have the correct information. Neither XXXX  nor Comenity will take responsibility for this error!
Product: Credit reporting or other personal consumer reports

What happened is that I'm about to file a XXXX discrimination lawsuit against Equifax. 
At this point I'm just filing complaints and saving all of this information for when I sue Equifax. I am XXXX American and every time I fix my credit and it should go up. Equifax sabotage my account and drops my credit score. I have saved and have all documents that I need. They will not remove these inquiries from my credit profile after it has been disputed as fraud. and they intentionally removed my credit card to drop my score. I never disputed my credit card to be removed or nor did I tell them to remove my credit card from XXXX XXXX. They told me to contact them to have them add it to my report but they are the ones that removed it! and also they aren't willing to put it back on my credit report. Also they said it was Experian fault that it was removed. & even on top of that they didn't notify my of this. Why would XXXX tell you to remove a credit account that had perfect credit history and {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, XXXX and TransUnion must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

I was informed my name would of came of on this Mortgage with Bank of America. I submit all proper form I don't reside at the XXXX, Florida that showing my name. It's 5 years my name is on Credit Bureau please help me get my name of the mortgage. Here 's my Email address XXXX XXXX, XXXX