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

I sent a letter to Transunion on XX/XX/XXXX in regards to inaccurate information they are reporting on my credit report. I checked my credit report today and they have not corrected any of this information and they also have not sent me any results back. I tried to get the furnisher to correct it also and they sent me back to the credit bureau who are not investigating. They are in violation of the FCRA by failing to provide results on their investigation, failing to respond in 30 days and failing to conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) 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 XXXX XXXX XXXX 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

A demand for verification of debt was presented to Equifax and XXXX   by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.
Product: Checking or savings account

I can't link my pnc checking account to my investing account on XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2020 I opened a bank account with JP Morgan Chase using a check from a payday loan. When I went into the branch I was advised that my account had been closed and Chase no longer wanted to do business ' with me. unbeknown to me, The check i deposited was a fraudulent check. I gave them the debit card back and exited the building located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. I decided recently to open an account with Chase and I came to find out another account was opened in my name that I had no knowledge of. And some how over {$1000.00} was deposited in that account. Going by the statements The account was opened with over {$1000.00} deposited into that account from my wife 's account and the account had one transaction which was foreign currency in which I have no experience with and have never traveled abroad. The rest was debited at {$12.00} per month in service fees for 3 years. The account remained dormant. I am demanding all of my money back that was debited from my account as I was completely unaware of this account. And it appears my wife 's account had been breeched as well. As she had no knowledge of the funds transfer. I dont understand how a bank can allow an account to be dormant for over XXXX and not report the funds to the state of XXXX
Product: Credit card or prepaid card

Capital One took over the Walmart Credit card account from XXXXXXXX XXXX. I called XXXX XXXX  in XXXX due to not receiving a statement. I was advised at that time they no longer handle the account and to call Capital One. I called Capital one and advise the account was past due. I advised the representative a bill was never received and I had no idea the Walmart credit card was being serviced by another company. We discovered the reason no bill was received is because my address was incorrect. The address was updated, the representative removed the late fee, and stated my credit would not be effected in any way. I checked my credit report and saw Capital One reported the account late 30 days. I called and spoke with a representative that stated would have it removed since I never received a bill. However, the late reporting was not removed per conversation with representative.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, Consumer, Natural person, and original creditor of an open-end credit plan, was denied my right to credit by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth In Lending Act, by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE on XX/XX/2021 via email. According to 15 USC 1602 definitions of The Truth In Lending Act, I as a natural person processing an open-end credit plan was harmed by Capital One Financial Corporation d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to [ {$5000.00} ]. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a dispute letter to all three bureaus ( XXXX, XXXX, and Transunion. ) My first XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX  and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
Calvary Portfolio services XXXX XXXX XXXX XXXX multiple accounts XXXX multiple accounts
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

XXXX XXXX XXXX has ignored numerous attempts to file an accurate credit report. Changes were made, but made my credit look worse than what it was changing back-and-forth. Now I recently found that a third-party XXXX  had gotten my information from XXXX, which is in a data breach. XXXX had no reason to give my information out to this company. I have already proven and tried numerous times to ask why XXXX XXXX XXXX gave my information to this company. I honestly feel if I would have never attempted to fix this wrong amount incorrect dates through XXXX XXXX. My credit information would not have been breached.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 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: Debt collection

sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}
Product: Money transfer, virtual currency, or money service

I was searching for a portable AC unit online using XXXX XXXX options popped up I chose a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when I made the charge using PayPal I press the button for the amount and the charge came out to a different company the XXXX XXXX XXXX XXXX I immediately knew something was wrong with that so I contacted PayPal and filed a complaint about to charge within 20 minutes PayPal did their investigation and said that the purchase was in line with my searches and it was an authorized purchase to check my receipt I don't know how they came to this conclusion because I have no receipt after I made the purchase the company disappeared all I saw was that foundation I mentioned before and I can not get in contact with him at all and I have no receipt for no product I don't know how PayPal come came to their conclusions of the product information they said they say the charge went to a an email address. XXXX so they know that the charge went to this email address instead of i the company and there investigation was flawed or fraudulent because I can find no information on the purchase and they say that it was authorized and if I purchased from this company first and the charge came back to another family this foundation and some God knows where country I think they're investigation which was completed in about 15 minutes or must have been a complete fraud
Product: Debt collection

I noticed a couple collections accounts that I am unaware of, because of this I have been keeping close record of my disputes and responses given. The credit bureaus and the original creditor has failed to do their job properly twice. Below I will attach my notes as either one of them has not provided me with the proper documentation to prove this debt that they say I owe.

Equifax : I asked that the Credit Bureaus and or the original creditor provide proof of debt for a XXXX XXXX bill that has shown on my credit report twice. One being paid in full, the other unpaid, which they failed to do so per FCRA requirement. Because of this I have disputed a second time adding these notes ( on XX/XX/year> I disputed this collection account and asked that you provide proof of validation debt which is required by the FCRA, which you failed to do so, and updated my profile with no proof of validation. Please send proof of debt via mail. ) If no response, I will then report both the credit bureaus and original creditor to the CFPB for further investigation. 

XXXX : Today I have disputed XXXX once more along with XXXX with the same exact notes stated in Equifax ( on XX/XX/year> I disputed this collection account and asked that you provide proof of validation debt which is required by the FCRA, which you failed to do so, and updated my profile with no proof of validation. Please send proof of debt via mail. ) If no response, I will then report both the credit bureaus and original creditor to the CFPB for further investigation. 

I have also started a dispute on Student loan debt for 3 accounts. I have asked for an investigation be done due to the Class action lawsuit against XXXX XXXX XXXX XXXX These are the notes provided to the credit bureaus ( I was apart of the XXXX  v. XXXX settlement against XXXX XXXX XXXX XXXX, which was approved to remove all student loans from my credit report. The balance should be 0 and removed per settlement approval ) XXXX : today I disputed XXXX and XXXX a second time, along with one student loan, with the notes provided above. 

If no response, I will then report both the credit bureaus and original creditor to the CFPB for further investigation. 

I will also be sending out a letter directly to an original creditor ( XXXX XXXX XXXX XXXX ) asking for proof of debt ( Debt Validation Letter ) seeing how they failed to reply the first time. Which I have done last month with no response given, past 30 days.. 

As always I will fairly allow each company 30 days from today 's date to send proof of debt before moving forward. Legal action will be taken next month if they fail to take my profile seriously.
Product: Mortgage

I was told I had terminal XXXX XX/XX/XXXX, I recently have had 2 surgeries and is currently receiving XXXX treatments. I have submitted several request for mortgage modification with Wells Fargo Home Mortgage. Wells Fargo has been very difficult to work with. Recently on XXXX I submitted request for mortgage modification with my updated financials. There is a property foreclosure sale date set for XX/XX/XXXX, I don't want to lose my home. My wife is the sole provider for our family now Please, Please Help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from AAG regarding my complaint. See areas I highlighted. This is now a complaint because AAG doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as AAG advertises to be. And this should have been caught by AAG and not weeks later by an appraiser in the field. 
AAG, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't AAG know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And AAG CARES Department doesn't care very much by making a smart statement " AAG acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for AAG to understand this. 
The reason for AAG is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is AAG a company or person? So who is the person? 
In addition, noting was mentioned about XXXX XXXX. And I call XXXX XXXX and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of XXXX XXXX and both are part of the XXXX. Now AAG, XXXX XXXX, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps AAG CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to get a loan I could not Ive never had a credit card in my life at all Im trying to establish credit or see my credit score at least and I can not for 5 months my score said XXXX completely now it all of a sudden has plus XXXX point what is that? Why does everyone that does not even work that I know can get a car or credit card or a loan and yet I work and pay taxes every year and my scores are garbage frozen or not available? I want this to be fixed next im getting an attorney!
Product: Bank account or service

Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in XXXX XXXX XXXX in XXXX, XXXX NJ XXXX in XXXX which was closed in XXXX, in XXXX XXXX XXXX was taken over by M & T bank , And yesterday when I went to bank asking for the copy of the log book of access to safe deposit box, branch manager XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) said they can not get it as the bank is changed and she called and emailed few places and said she will call me back and update me and today she left me massage that she can not get that information, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFBB can help me getting information from them. 

Thank you XXXX XXXX
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I inquired with someone about buying a XXXX XXXX through XXXX. I should have noticed the first red flag when i texted and was asked to pay through XXXX, but alas i was scammed out of {$150.00}. The seller gave me their phone number and i proceeded to text them about the product. They promised to ship via usps and I went through, assuming it was legitimate. I paid half up front and my XXXX  transaction is titled as so ( 1/2  switch ). The payment was posted on XX/XX/XXXX and the money was immediately taken out of my account and i am currently down {$150.00}. The user, XXXX XXXX, provided a fraudulent tracking number which obviously never updated. I have screenshots of the entire conversation and if needed can provide any additional information. I noticed the issue after my number was blocked and i couldn't send any more texts. I submitted a claim with Capital One and was provided a provisional dispute credit on XX/XX/XXXX. I was informed yesterday, XX/XX/XXXX, that my claim was denied and I called the claim department today, XX/XX/XXXX, and learned there was no further action I could take. I have attached a zip file with 21 screenshots of all my conversation with the person who scammed me out of my money, alongside a copy of Capitalones response email when denying my claim.
Product: Debt collection

Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account.
Product: Credit reporting or other personal consumer reports

I noticed various problems with my credit reports and need them to be fixed, there is a letter describing all of these issuses
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00}
Product: Mortgage

after get a letter informing me about my property taxes had not been paid i call shellpoint to check my escrow bal I was a little shocked to find out that XX/XX/2020 shellpoint took {$720.00} for the escrow and applied it to my deficiency on XX/XX/2020 shellpoint took {$1500.00} for aexpense account and applied it to my deficiency prior to your letter dated on XX/XX/2020 shellpont couldn't validate any deficiency so shellpoint was closed the loan a balance of XXXX Total when to my deficiency {$2200.00} Payments are made in House Note that I should not have been paying any house note only my escrow account I was forced to pay it trying to not ruined my credit and it still got ruined by Shellpoint XX/XX/2020. {$420.00} XX/XX/2020. {$610.00} XX/XX/2020. {$610.00} XX/XX/2020. {$630.00} XX/XX/2020. {$610.00} XX/XX/2020 {$610.00} Total {$3500.00} I am requesting that {$5700.00} be returned back to me immediately The grand total for deficiency and house payments escrow account {$5700.00} XXXX XXXX XXXX