23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2023 this XXXX XXXX XXXX collection came into my credit report as collection. 

I contacted my tax attorney and he sent a letter to XXXX XXXX, who was originally on my credit report. They only had my file in there system for 14 days before selling it to Williams rush and associates XXXX. 
So nothing came out of me hiring someone to help. I contacted Williams and rush they spoke to me extremely poor and sound like someone from an inner city gang was doing business from their backyard. I got absolutely nowhere with contacting them. 

I contacted the rent a center company and they assigned me to an area manager. She tried everything to help me for 6 weeks to find any proof that I owed this company any money. 
She told me the store that reported my collection is closed and they have no access to any data base. She said they dont have any access to their computers or system either. That store has a paper storage that she doesnt have access to unless theres some warrant. She wasnt able to help me with anything I dont understand how a company thats been closed can claim I owe them money not have any proof I was ever in their store or rented anything from them. 

Ive had identity theft with this company and owe this company no money. Ive never received a call from them in my life.
Product: Credit reporting or other personal consumer reports

XXXX has inaccurately reported to my credit file ( all XXXX bureaus ) that I am late on my payments. This information is inaccurate and has put an abrupt stop to my home purchasing plan in which I have worked too hard for. I have requested and requested that XXXX report the information correctly. They have NOT taken any steps to correct this information. I have provided the documents necessary and paid the balances in due time to avoid negative reporting. My loan is not late and has never been late! My account balance with XXXX is not correct either. They have charged my account with fraudulent XXXX fees in which my bank will prove they have never attempted payment when enrolled in the XXXX program with XXXX. I have had my ban account for 23 years and it has never changed on my account for XXXX. Their fees are in different amounts every single time. They refuse to remove these fees in the amount of {$81.00}. I have taken the XXXX XXXX and continued to pay so my account would not fall behind, but it doesn't make these charges accurate either.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXXXXXX - {$3900.00} XXXX XXXX XXXXXXXX - {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXXXXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX  - {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Checking or savings account

I received a refund from my school on XX/XX/22. 
Venmo has locked and restricted my account everyday since to the extent I have only been able to access my money 2 or 3 times. I have told them repeatedly that all I wanted was the ability to transfer my money out of their bank. So now Im only able to score my balance and put money in.
Product: Credit card or prepaid card

I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I asked if I should notified the police department and the representative said their side will perform an internal investigation, so notifying the police is not necessary. I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX. 
I received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. I asked if filing a police report will strengthen my case, and she said it wont affect my case. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. 

For my third attempt, I filed a police report with the XXXX Police Department on XX/XX/XXXX, and reopened my dispute on the same day. The declaration of fraud was resubmitted on XX/XX/XXXX. I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they havent responded back. The third attempt at the dispute was declined on XX/XX/XXXX. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. The fraud department representative can only reopen my case, but can not provide any assistance or information on the investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.
Product: Credit card

The entire month of XXXX there were Unauthorized charges in the entire month of XXXX
Product: Mortgage

I have been on forbearance with Wells Fargo and working with XXXX 's assistance to get help paying my mortgage because of financial hardship due to me having long haul XXXX, and my home mortgage payments going up because of taxes and insurance rates. During the middle of all of this, Wells Fargo sold my loan to XXXX XXXX XXXX. When I read about this new company, it seems as though they are more of a collection agency than a mortgage company. How can Wells Fargo do this while I was in the middle of all of this? Wells Fargo was the one who told me about the XXXX assistance program to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to check the status of disputes or pull my annual credit report from equifax they keep saying they are going to fix the problem for months but have not. It keeps telling me the information i have entered is incorrect but it is correct.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that TransUnion remove XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX is not listed in the Nationwide Licensing System as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX has in the state of Ohio prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I believe on behalf of Shellpoint Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
Shellpoint Mortgage currently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, Shellpoint Mortage Services, or any other mortgage company. In fact, I had not applied for any credit from any company.

I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted Shellpoint, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


Institution Information XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Mortgage

Hi, I'm interested in speaking with someone about the conduct of 21st Mortgage and XXXX XXXX XXXX XXXX. I am in the middle of closing of a custom modular home build and they have been misrepresenting and using intimidation tactics to get me to sign the closing documents. 


I had a XXXX shortly after they continued to call me threatening to keep my XXXX money {$14000.00} if I didn't sign that day. They tried to intimidate me from asking questions about the contract and made accusations that I provided fraudulent proof of income and they were reconsidering my eligibility for the nearly $ XXXX home loan. 

This all lead to me being hospitalized recently with serious health risk of a XXXX symptoms and complex migraines after trying to read over XXXX pages in closing documents. I began to feel unwell after in person visit where I was pressured to sign closing documents when they never provided them to me before the closing date. 

The title company and notary failed to send me the documents and 21st Mortgage said they uploaded it into my portal but it was only a XXXX page document which I received. I was under so much stress and they made me feel like I was in jeopardy of losing my XXXX money and the loan approval if I didn't sign that day but I insisted on reading the contract and getting an extension past the XX/XX/XXXX closing deadline. 21st Mortgage waited until the last XXXX minutes of the business day on XX/XX/XXXX to grant the extension. During that waiting period XX/XX/XXXX, I had stayed up late reviewing the contract and I physically couldn't sleep thinking that my life savings was going to be lost and I possibly wouldn't even get the home loan. I started having full left side XXXX, XXXX XXXX and racing heart all of a sudden and was admitted to the hospital on XX/XX/XXXX. 

XXXX said the home was 80 % completed but they pulled it from production XX/XX/XXXX and were threatening to back out as my retailer. They sent me threatening emails and were verbally aggressive trying to tell me that I need needed to just sign and stop asking questions about the loan I have until XX/XX/XXXX to close on this loan and last Friday, they told me they were reconsidering my loan approval. I'm completely sick and don't know why they are treating me this way because I was asking reasonable questions about the contract and my loan. 

Please help.
Product: Mortgage

We tried to refinance our mortgage with CitiMortgage. The appraiser ( that we had no input in ) valued our home at least {$30000.00} to {$40000.00} less than what it could be sold for ( people in our neighborhood have sold for good money ; the appraiser was biased because we have a trailer park we share a fence with ). We were told to get a XXXX loan for {$2200.00} and that would cover all closing costs. We were told if we sent paperwork by XX/XX/XXXX we could close on XXXX. We were asked to send banking information proving the XXXX loan money twice along with other banking transactions. When we asked if we were still on track to close on XXXX ( we emailed on XX/XX/XXXX ) we were told we are not on track and now we need {$3000.00} more to close ( they never mentioned this before we asked ).  XXXX from Citi acted like she had never heard of someone stating a closing date ; which we have proof showing SHE told us a date. We asked well before closing and taking the XXXX loan on XXXX about the discrepancy from original contract of {$340000.00} and updated contract info of {$330000.00} on XXXX but were not given a straight answer. I was a Citi customer for a decade with my last mortgage ( never paying late ever ) and now they have made it impossible to communicate with us or refinance with them in a professional manner. The communication is awful and the lack of answers on Citi 's part is disgraceful. I have all of the emails and I am willing to send you everything. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent out a certified letter EQUIFAX which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. EQUIFAX sent me a report by mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.
Product: Checking or savings account

On XX/XX/year>, numerous transactions were made to my account that I did not authorize. The debit card transactions were all made in Florida. I reside in Wisconsin and can provide proof that I was in WI on the date in question. 
1. XXXX payment to Reversal XXXX {$1000.00} Transfer ID XXXX a. This transaction was investigated by your ACH dispute team and was found to be an unauthorized transaction and the money was returned to me. 
2. XXXX payment to XXXX XXXX- {$500.00} XXXX ID XXXX a. This transaction was also investigated by your ACH dispute team and was found to be an unauthorized transaction and the money was returned to my account. 
3. Payment to XXXX XXXX- {$500.00} Transaction ID XXXX a. This transaction was returned within XXXX hours of my dispute. 
4. XXXX XXXX  - {$150.00} Debit transaction ID XXXX a. There is also a terminal ID XXXX b. This dispute was determined to be an authorized transaction XXXX XXXX DID NOT authorize this transaction XXXX. XXXX XXXX # XXXX {$210.00} - XXXX XXXXXXXX XXXX  - Debit transaction ID XXXX a. Terminal ID XXXX b. This dispute was also determined to be an authorized transaction XXXX XXXX DID NOT authorize this transaction XXXX. XXXX XXXX XXXX - {$1.00} XXXX XXXXXXXX XXXX XXXX  Debit XXXX ID XXXX a. Terminal ID XXXX b. This dispute was also determined to be an authorized transaction XXXX XXXX DID NOT authorize this transaction XXXX. XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX XXXX Debit XXXX ID XXXX a. Terminal ID XXXX b. This dispute was also determined to be and authorized transaction XXXX XXXX DID NOT authorize this transaction I WAS NOT and have NEVER been to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XXXX XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Product: Vehicle loan or lease

During the time of XX/XX/XXXX, I purchased a car from XXXX, using an extension of credit from my cestie que vie trust. Signed a bilateral contract between XXXX and the beneficiary of the trust. XXXX of XXXX, I began receiving harassing calls from BRIDGECREST about an alleged debt. I have sent Bridgecrest several debt validation requests since XX/XX/XXXX. Upon receiving information that the original creditor is XXXX, I requested a debt validation from XXXX to which XXXX responded saying they were unable to validate. Therefore, if XXXX, the original creditor is unable to validate the alleged debt, BRIDGECREST is unable to validate the alleged debt, how then can Bridgecrest claim the debt has been validated? How was the alleged debt validated to be reported negatively to my credit reports? If indeed, the alleged debt is valid, what were the steps taken to validate? Bridgecrest has provided documents that show that Bridgecrest is not listed on the original contract nor does the original contract show Bridgecrest as a signing party to the contract. Therefore, how can Bridgecrest claim they are a party in the contract and how did Bridgecrest obtain my private information? I never consented for my private information to be solicited and bought on back door deals in which I have no knowledge of, this is clear evidence of IDENTITY THEFT and evidence of FRAUD IN THE FACTUM. Bridgecrest has claimed they are the account servicer but has failed to provide evidence of this statement in the original contract. This is another clear evidence of false and misleading statements which is a violation of 15 USC 2B 78ff, which is subject to fines of {>= $1,000,000}. Furthermore, Bridgcrest and XXXX has violated my consumer rights and my privacy rights which are a violation of 18 USC 1028A, and to add, Bridgecrest is furnishing and negatively reporting collections attempts which is another violation ; 15 USC 1692d ( 4 ). At this Time I invoke my right to rescind any alleged contract with Bridgecrest and XXXX pursuant to 15 USC 1635. I have been damaged and demand remedy.
Product: Debt collection

The call XXXX times a day, nights, weekend and holidays.
Product: Checking or savings account

On XX/XX/22 I received a paper check from XXXX XXXX XXXX. This was my first payroll check from this employer. I deposited the check in the amount of {$2100.00} at the Bank of America ATM on XXXX XXXX XXXX, XXXX, FL. I had to verify on the screen the amount was correct. When the receipt printed the amount was {$110.00}. Immediately I called Bank of America at the number on the ATM. It took several attempts to get to speak to anyone. I gave the information to the person on the phone. She advised me that she would be a dispute in the system. Because it was a Saturday I she said there was nothing further that could be done. She advised it would be 10-14 days before I could access the funds. I advised her that was not acceptable. FDIC requires my funds to be accessible. It would not take 10 days. I requested the check be returned. I have the stub to verify the amount of the check. She then flagged the check as fraud. Bank of America needed time to investigate the amount of the check. I request the check returned as I could not wait to access those funds. On Tuesday XXXXI entered the Bank of America Branch at the same location. The associate told me only the Branch Manager could help me fill an official complaint but was not available. I return an hour later and was told the Manager still had not arrived. On Wednesday XX/XX/22 I again called Bank of America and was given the explanation by XXXX ( XXXX ) that information on the check could not be verified and the check had been destroyed. I requested a supervisor to file a complaint. I waited an addition 30 minutes for XXXX ( XXXX ) who informed me that he had research the original claim and that XXXX XXXX was holding the funds. He also stated the funds would be XX/XX/22 at XXXX. He advised me to call XXXX to obtain an electronic transfer of funds. I called XXXX XXXX XXXX and was informed the problem was with Bank of America. The funds for the check had been allocated. I feel so betrayed. My rent check was returned. I am in fear that I will be evicted. I have had this checking account for 25 years. I want my fund released immediately. They have flagged my account for their convenience. There is nothing fraudulent about the check. My automatic deposit starts on XX/XX/22. I am also filling a complaint with the Office of Comptroller of the Currency and Federal Deposit Insurance Corporation Office of Inspector General. I believe this is a business practiced to avoid compliance with Federal Deposit Insurance Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had alarm services with XXXX XXXX XXXX and there were constant issues with the service and after notifying XXXX XXXX XXXX that I wanted to discontinue services, they suggested that I keep the services and notify them again at the end of month. This was around XXXX and XXXX. I figured that because I could not get internet connection, interruptions, and faulty alarm systems that the services had been discontinued from my initial request. 

The following collection accounts have negatively impacted my credit scores and because of the service failure from XXXX XXXX XXXX and overall negative experience, I would like these deleted from all three credit reporting agencies. I also was not properly set up to access the actual account so I was surprised when I was contacted about these collections after two years. 

DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX Diversified : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/year>, I had insufficient funds in my checking account to pay credit card bill and Ally Bank/Ollo credit card would no longer accept payment from my checking account. They also will not accept payment from my debit card or another credit card. I was told on 2 occasions that I need to submit a document with my account number to show that I had funds before theyd allow me to pay from my bank. I had to ask someone else to use their bank account number to pay. They told me I can only pay with my debit card if Im in collections status. I submitted a document provided by my bank and now Im being told that they will still not allow me to pay from my bank and Id need to get a new bank account to pay. Its not fair to require me to ask for someone elses bank information or to take time off to open a new account just to pay this bill.