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

This company refuses to remove this incorrect negative credit reporting. Their was employee fraud from their phone team and this debt is also way too old to be showing, even if it were to be accurate. Furthermore, this case has gone before a XXXX XXXX in XXXX  court and was ruled dismissed. However the company for several years since refuses to remove the debt from all of my credit reports. I am impacted by XXXX, XXXX and now XXXX  so can not speak on the phone anymore. Please remove this debt asap or I will be filing lawsuits against all parties for the inaccurate reporting. Attached is the case information showing the judge ordered it to be dismissed and deleted. Years ago this should of been done. Please also respond in writing once it is removed from all XXXX credit agencies. 

" Case Information : Court System : DISTRICT COURT FOR XXXX XXXX - CIVIL SYSTEM Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing XXXX Status : CLOSED Complaint, Judgment, and Related Persons Information ( Each Complaint, Hearing, Judgment is listed separately, along with each Related Person ) Complaint Information Complaint No : XXXX ( CAPITAL ONE BANK ( XXXX ), XXXX. ) XXXX : ( XXXX, XXXX XXXX ) Type : REGULAR CLAIM Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XX/XX/2018 Filing XXXX Amount : {$3600.00} Last Activity XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of struggling to make payments on my private student loans. XXXX charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, XXXX is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.
Product: Checking or savings account

Chase closed my personal checking account and credit cards without prior notice in XX/XX/2023 and froze my assets for approximately a month. When Chase finally released my funds back to me Chase withheld {$19000.00} saying a certain XXXX deposit into my account from a third party LLC ( the " third party '' or the " Originator '' ), which I received regular quarterly distributions from for the past three years, did not belong to me due to the Receiver Name on the ACH not matching my name on the checking account. The XXXX of the XXXX made an error titling the Receiver Name which should have been for myself personally. 

Chase ( compliance department ) said due to my account being suspended/closed the Originator of the ACH would need to request an ACH reversal through their bank ( XXXX XXXX Bank ) to get the funds back from Chase. The Originator requested an XXXX reversal for the amount of the deposit mentioned above which Chase subsequently rejected. When I contacted Chase again to ask them what needs to be done to recall the funds from my account Chase said the third party 's bank would need to submit a letter to Chase outlining the deposit and request an XXXX reversal. The third party 's bank submitted two ( 2 ) letters to Chase requesting the funds be returned, both which we denied ( see attachment ). Alternatively, Chase has given me no solution or option to work with the third party and their bank to amend the Receiver Name on the original XXXX deposit into my account which would allow the funds to be released to me, the rightful owner. 

After multiple calls with Chase spanning multiple hours, Chase has lied and failed to provide me an answer how to release the funds that are still in my personal checking account.
Product: Credit reporting or other personal consumer reports

Midland Mortgage Midfirst Bank loan was paid in Full in XX/XX/year> bank was notified property on sale false reporting to XXXX bank violates the federal guidelines Mortgage statement was send in XX/XX/year> and the rest bank wrongfully charge the XXXX Mortgage insurance payments through out the term of loan even the value of property was double and {$180.00} to {$190.00} payment was loan was released in bankruptcy with XXXX borrower was involved in bankruptcy and XXXX Mortgage in the statement mention we are not collecting debt which violates the federal guidelines not provided XXXX days grace period to making payment and falsely reporting to credit bureau XXXX Days late payment is serious violation i demand the XXXX XXXX should revise the late payment which is falsely reported to credit bureau.
Product: Credit reporting or other personal consumer reports

They are reporting false information to creditors as well as I did not give consent to the information they are providing. i asked them to stop in which I found out they were still providing information to creditors and again it's false information. I've asked for them to remove numerous personal information and accounts which are impacting my life and this has not been done.
Product: Debt collection

I just received a collection notice from XXXX XXXX dated XX/XX/2018, File # XXXX, Creditor : XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX Balance due {$14.00} It's asking to notify within 30 days to dispute validity which I'm doing now. 

This is not my debt. 

I've never heard of this company. I've never had a creditor named XXXX, nor have I ever not paid any creditor for that matter. I have excellent credit and pay all creditors in a timely manor. I've never received any notice of monies due from this creditor ever.

I have a step daughter with the same name and know of other many other people with my same name and am not sure if this is crossed with another person 's credit, but this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report thatare incorrect and need to be removed immediately. The following are the incorrect itemsand I am demanding that they be removed from my credit report. 1. Collection account witha partial account number of XXXX  for $XXXX this account is being reported incorrectly.This account was paid off but you are still incorrectly reporting it. I am demanding that youcontact the original creditor which looks to be a medical collection and request validationon this debt. If the original creditor is no longer paying you to report this information andthey can not supply you with the original documentation then you are in violation of theFCRA and I will sue you for wrongfully reporting information against me which is $XXXXfine per violation. 2. Collection account with a partial account number of XXXX  for $XXXXthis account has the same historical reporting as the above account and I am demandingthat it either meet all FCRA requirements or remove it immediately. Each bureau is herebyrequested to provide me with physical proof that these collections are in fact beingreported correctly or remove them immediately. 3. Bankruptcy: Chapter XXXX discharged. Icontacted the US Bankruptcy court and asked them if they reported this information to thecredit bureaus. They told me that they do not report any information of this kind to thebureaus. After further research it looks like a company called XXXX  or XXXX XXXX is theone that reported this information. On my credit report you are saying that the USBankruptcy court is the one that has reported this information and that is not true sotherefore you are in violation of the FCRA by reporting false information regarding whereyou got this information. Also Equifax is saying that it was a Federal Bankruptcy and that isnot true so you are reporting incorrect information on all fronts and I am now demandingthat you remove this Bankruptcy from my credit report along with the two adverse, incorrectcollections that you are reporting. You are all in violation of the FCRA and I will pursue legalaction if the 3 accounts listed are not removed by all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX XXXXXXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXXXXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Debt collection

A man who has introduced himself as XXXX XXXX calling and claiming he 's calling from XXXX XXXX XXXX has repeatedly called my place of employment, has harassed me, people answering the phone and even spoken to my boss. This person claims I have an old debt that I need to acknowledge and states that he is in contact with my county to get me served with documents. I have requested that he send me something in writing regarding this debt or to give me contact information for my original creditor and he has to refuse to do either but continues to call my place of employment after I have asked him several times to stop. He has threatened to have my wages garnished and even accused me of being a delinquent and telling my boss he 's going to get me on fraud charges. I do n't know how else to handle this, I 'm not refusing to pay any debt I might have all I 'm asking for is proof which he refuses to provide and on top of that he 's jeopardizing my job.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I am contacting the CFPB as I know what my mortgage servicing company is doing to me is very unfair and I can only imagine how many other homeowners they are hurting. I had fallen behind on my mortgage payments XX/XX/XXXX after I had a XXXX. This loan servicing was transferred from XXXX to Freedom Mortgage as of XX/XX/XXXX but I had been mailing my payments to the previous company so I didnt even realize I was late. I had quickly applied for a loan modification with Freedom Mortgage to constantly be requesting documents we already sent and confirmed. My modification request was closed out at least 9 times from XX/XX/XXXX through just recently on XX/XX/XXXX. My wife is a contributor as well and the reason we were declined before the HAMP program ended was they stated they could not verify my wifes income taxes. We explained with explanation letters she does not file taxes because she was only receiving XXXX. We were told to send in a new XXXX with he box checked for non-filing, two weeks later, we followup to be told that is not acceptable, they need the other box checked to verify returns. I sent both to be safe. Two weeks later, we were told no, they can not verify my wifes social security number even though we submitted the Social Security award letter and XXXX. Each and every time the review was closed on their end, it was due to a new reason. This most recent review we submitted a complete package on XX/XX/XXXX. I called on XX/XX/XXXX and was told they need the bank statement that was just available on XX/XX/XXXX which I quickly sent on XX/XX/XXXX. Today I called Freedom and was told the review was closed out on XX/XX/XXXX for not receiving the requested bank statement. I always scan and email my documents. To make matters worse, I am unable to drive after the XXXX which left me mostly XXXX with little use of XXXX XXXX of my XXXX so I have to call taxi 's to bring me to pick up bank statements and then to scan to the bank which is going on a few times a month for 25 months now as I started t his process when I was only one month delinquent. I could have been making mortgage payments all these months but they just will never give me a decision. Only play games with a XXXX borrower who is now in foreclosure.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This situation is extremely frustrating, and I urgently request a thorough review of the documents Ive submitted so I no longer have to deal with this stress.
Product: Debt collection

Debt collection calls and letters. Debt continues to be sold. Newest company, Diversified Consultants,  attempting to collect debt never owed. No delinquent accounts with XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Been trying to find copy of Bank of America card agreement from 2016, The agreement had promotion # ID XXXX. 

Please locate and reply
Product: Debt collection

They said if I did n't set up a payment plan that they were going to file charges in court and I would go to jail if I did not pay.
Product: Credit reporting or other personal consumer reports

NEW AFFIDAVIT ATTACHED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AR XXXX Dob : XXXX Sos : XXXX TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : XXXX, XXXX Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX ), regarding this issue. 

Fraudulent Accounts : 1. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX  Address : XXXX XXXX  XXXX XXXX, XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AR XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  Address : XXXX Highway XXXX XXXX, XXXX, AR XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : 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 an 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: Mortgage

I originally had a loan being serviced with XXXX. My loan was sold to XXXX XXXX  and the servicing is being done by LoanCare ( XX/XX/XXXX  ). I have attempted to contact LoanCare so that I know where to send my payment, due on XXXX XXXX. It has been a couple of weeks and still no information. I can not get through on the phone, online, OR via email. After reviewing all the complaints re : this company on multiple sites, including XXXX, I want to payoff the loan in full because I think it's only going to be misery going forward. This wasn't what I had planned to do, but no other option really. I would appreciate you contacting the company on my behalf.
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. 

XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$35.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

these account were never late. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit card

This complaint is with Barclays Bank US and its branded Aviator Mastercard. I have been a customer of this bank and this card for 18 years with a perfect credit history and never previously sought a chargeback of a disputed charge. I opened a dispute by phone in XXXX XXXX XXXX XXXX on XX/XX/year> regarding a rental made through Booking.com due to the misrepresentation of the 'services described ' by the merchant in the original reservation. Barclays advised me in writing on XX/XX/year> that I did not have to provide additional information at that time but in case that the merchant refuted the chargeback, I would need to submit additional information. The case was prematurely closed on XX/XX/year> without any opportunity for me to provide information and documentation to support the dispute. Once I received this denial and merchant defenses it was already 10 days past the XX/XX/XXXX closure date. I submitted very thorough and extensive information and documentation to support the dispute on XX/XX/year> to Barclays ' CEO and executive offices. Barclays has repeatedly falsely claimed that they never received this 'new ' information which was actually the first information they received to support the dispute.

Barclays has been wholly uncooperative to acknowledge the receipt of my information and reopen the dispute. Barclays has also chosen to completely ignore the Mastercard , Inc. protocol for cardmember dispute resolution. This step by step process indicates what issuing banks of Mastercards should do to assist clients in working through merchant disputes form initial chargeback arbitration by Mastercard. 

Barclays has refused to provide me with reasonable answers to my questions regarding this chargeback dispute. They have also dismissed and ignored my request for the legally required full report of their complete investigation of the the dispute. Regrettably Barclays has treated this valid dispute as unworthy of its follow up and continued to side with the dishonest merchant. Booking.com, source of the original reservation has since dropped this merchant due to fraud and misrepresentation, but yet Barclays Bank continues to support their position and not give me any opportunity to support mine.
Product: Debt collection

I financed a vehical the Gold Acceptence Corporation in XXXX. For the amount of {$5000.00} for the terms of 27 months. i made 10 payments on the vehical the balance went down to around {$3000.00} dollars. I had to voluntary returned the car due to getting laid off work .The account has been closed sice XXXX, im being charged for late fees on a closed account.The car has been resold. for an un disclosed amount and never put towards my balance. And now the outstanding is balanced $ XXXX.thats over {$4.00} dollars in late fees.. is there anything u can do to help me. This is totally unlawful and unfair to me as the consumer.
Product: Bank account or service

Wells Fargo has rearranged transactions in order to charge me overdraft fees. They have also posted transactions in time only when it 'll cause me to overdraft. When I do deposit money when I 've noticed I 'm negative, all of a sudden the next day that transaction that caused me to overdraft is magically gone ... They expect me to forget all the trouble I went through to avoid an overdraft and think nothing of having a surplus in my amount available? They just want me to think I have more money than I actually do so they can get a fee from me. No, this is not right and I knew it was n't right ever since I opened my account. Who knows how many times they have done this to me without me noticing?? Scam artists. I only realized what was happening after this time that I noticed something was wrong. All it took was a search with my question about them scamming people for me to realize I need to switch banks immediately! No one should do business with them. I have learned my lesson and will research my future bank much more thoroughly.
Product: Credit card or prepaid card

Took out {$40.00} cash at the ATM thinking that there was only a {$1.00} fee charged by the ATM provider on XX/XX/23. Amex charged me {$10.00} fee and {$1.00} in interest. This is a 30 % interest rate and a 25 % fee for Amex. Definitely problematic.
Product: Checking or savings account

I submitted a dispute, Chime Visa told me it would take " up to '' 90 days. 90 days was up XX/XX/21 and they now still say they have no further information and they aren't sure what's taking so long and have forwarded my dispute to be escalated several times. I am a consumer and I am protected by law. What action should/can I take? I can't believe after 90 days they still have no resolution or information yet, it's been 102 days.