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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} CXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX CORSA XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX RE : Dispute of Hard Inquiry To Whom It May Concern, I am writing to dispute a hard inquiry listed on my credit report. The inquiry in question was made by XXXX on XX/XX/XXXXXXXX I believe this inquiry is inaccurate for the following reason ( s ) : I did not apply for credit. I did not authorize the inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this inquiry and remove it from my credit report if it is found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any updates made to my credit report.
Product: Credit reporting or other personal consumer reports

Received several letters stating that my personal information such as my credit report, addresses and other personal information had been exposed during a data breach that took place.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed a call to XXXX XXXX credit card customer service requesting to change my address on file to other address. Being that I had XXXX and currently is hospitalized. My address change request was to assure bills were received to a family member. The family member would bring bills to hospital so they can be paid. However, I never received a bill so I would log on trying to remember what day the bill was due since I got no bill sent to my family members house. Today XX/XX/XXXX, I noticed I still have not received a bill again. So I log on to pay the bill. I called customer service explaining Ive called previously on XX/XX/XXXX to change address. At this time I was advised it was not changed so the representative proceeded to update the address. I asked for late fee to be waived being that I never got the bill. I was advised nothing can be done because there is no record of my calling. However, I know for a fact that I called in and spoke with someone who was sympathetic about my XXXX and even said she knew someone who had the same XXXX. I asked to speak with a supervisor today. She pretty much called me a lier saying I did not call from my phone number and record of me calling. As I stated to her just because your company does not show I didnt call from my cell phone doesnt mean I didnt call. Its not my fault as a customer your representative did not do their job. 

I asked to speak with a XXXX. I spoke with someone named XXXX. I explained the situation to him all over again. I also explained to him that as a company you have an obligation to ensure you are sending your customers bills in order for them to be able to pay the bill. However, the practices that are being used are unethical. I asked him that I would file a complaint with the consumer finance protection bureau based on the situation and how I am being treated. 

I asked XXXX if I could speak with another XXXX. XXXX placed me on hold and came back stating the other XXXX said XXXX. However, I asked to speak with the XXXX ; I did not ask XXXX to relay messages back in forth. During the conversation, XXXX then start to cut me off while I was speaking instead of listening to what I was saying. Its sad and unbelievable that customers get treated like this when they have a medical issue that requires immediate attention. This is not how you treat your customers. I will be telling all my friends, family, people on social media about my situation today
Product: Mortgage

Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. 
During this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. 

XXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. 
Bank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). 
READ article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers " the runaround ''. I too experienced " the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. 

AS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.
Product: Mortgage

I asked for covid-related forebearance for my FHA mortgage XXXX XX/XX/XXXX. This was extended in XX/XX/XXXX, XX/XX/XXXX, and and XX/XX/XXXX. In XXXX I contacted Caliber Home Loans to understand my options. I asked if further extension was an option, and they said I would need to apply. I said no thanks, and on XX/XX/XXXX asked to have a Partial Claim agreement sent to me for the subordinate debt. I never received that document. I have called and used their portal to ask about the status and they have said it's still in process. Last Thursday I got a voice mail from Caliber and called them back today. The rep said the document was sent XX/XX/XXXX and since they never heard back from me I'd have to make two mortgage payments to enable the partial claim. I said no ; I never received that document ( they told me it was sent regular mail ), and I never heard from them about it. The rep said there's nothing she can do so I asked to speak to a supervisor. The supervisor told me the document was sent XX/XX/XXXX ( not XX/XX/XXXX ) and that since I never replied the partial claim is " closed ''. She said they called three times across XXXX and XXXX ; I don't have any voicemails from them. I have diligently returned all of their calls during the forebearance and through the partial claim discussion, why would I ignore them now? I then asked the supervisor to walk through the timeline ; she said the docs were prepped in early XXXX and sent XX/XX/XXXX, meeting the 30 day requirement. I said that's almost 60 days ; at that point she said, there's nothing she can do to " re-open '' the partial claim ( even though the rep said she'd be able to with two mortgage payments ) and I should file a complaint if I want to. 

I am very concerned about the knowledge and professionalism that was demonstrated during my calls with Caliber today. I believe there have been a number of mistakes made throughout this process that have had a negative impact on me as a consumer. How is an important document sent via regular mail? How did Caliber miss the 30 day window by almost a month? How does Caliber only make three follow-up calls ( which I have no record of )?
Product: Credit card or prepaid card

I noticed later payment on my credit report I contacted the company to remove it they never take action on it I was XXXX about this account cause I victim of theft
Product: Checking or savings account

Robinhood is keeping my XXXX benefits XXXX saying their doing an investigation because of reversals that was done by my ( persona ) bank, they claim they are doing an investigation but for a month? & then at that its my account & I cant use my own money, Im getting unemployment benefits due a reason how am I supposed to eat or make a living? I use Robinhood to trade as well please help .i sent the company all documentation needed & everytime i emailed they said theyll let me kno when its done being reviewed! What takes a month plus more to review I have XXXX in my Robinhood Spend account that I recieved from unemployment XX/XX/2022 & since that day Robinhood never gave me access to my funds.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX charged my AMEX Serve Credit Card and I never received the item. In addition, XXXXXXXX XXXX XXXXXXXX XXXX said that the card is not activated with them when it is. 

Here 's the record of what XXXX XXXX XXXX XXXX  has on-file of me : Skip to Main Content Skip to Shopping Bag Skip to Search 30 % off Already-Reduced prices XXXX XXXX XXXX XXXX Hi XXXX Find a Store New Arrivals Clothing Dresses Shoes & Accessories Work Collections Petites Plus Sale Search 1 My Account Rewards Status Profile & Preferences Saved Payment Address Book My Orders My Wish List Shop Now Saved Payment My Default AmericanExpress - XXXX Expires XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Edit | Delete +Add new credit card Protecting your privacy is important to us. For more information, please read our Privacy Policy. 

More Ways to Shop Find a Store Gift Cards XXXX Rewards XXXX Request a catalog Support Contact Us XXXX FAQs Order Status Payment & Shipping Info Returns & Exchanges Recall Information About Us Our Story Careers Charity Investor Relations California Supply Chains Act Stay Connected Subscribe to our email list and get 20 % off Enter email address Submit Follow Us XXXX  XXXX XXXX XXXX XXXX   Copyright XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX. All rights reserved. Terms & Conditions Privacy Policy Change Country Live Chat Toggle Today 's Offers Today 's Offers Hurry, Limited Time Already-Reduced Prices Prices as marked excludes final sale Shop Now Details Shop with Benefits Already A Member? 
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Product: Debt collection

Reported XXXX XXXX as XXXX, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. Jefferson Capital Systems now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Product: Mortgage

In XXXX  of 2019, I contacted mortgage company named Movement Mortgage head quarter located in XXXX, NC for refinancing my primary residence located at XXXX XXXX XXXX XXXX va XXXX.  The company loan officer first asked me to hire a lawyer to redo the deed adding my name to the title.  My wife and I have been married for over 25 years.  Then, I was asked to pay $XXXX for appraisal. $XXXX for CPA letter.   After almost 3 months tirelessly trying to satisfy the daily request for documents coming from the bank requests from  the loan officer, processor and assistant, I was advised that the my loan got rejected.  After 30 days following my application, the underwriter kicked me out of 1 program putting me on higher interest program.  About 90 days later, the loan officer told me my loan got rejected.  No written explanation was given.  I have suffered great deal of mental distress and financial loss as a result of this company underwriter’s incompetence, unethical and discrimination practice.  I ask you help me to reach out to this company to address issues.  Thank you.
Product: Credit reporting or other personal consumer reports

Bank of America conducted a credit check on me without my consent. 

I gave them permission to perform ONE check when they they encouraged me to open a small credit card after closing my recently deceased wife 's credit card account which was brought to a XXXX balance. 

They then advanced money from that CLOSED account, after changing some of the information on the account, into MY new credit card account and then withdrew that money at the bank. 
They claim I was the one who withdrew the money without providing any evidence to support that accusation. They told me I needed a subpoena in order to obtain the documents and videos. After hiring a lawyer and providing a subpoena, they have yet to provide the evidence they used to deny my disputes. 

XXXX credit checks XX/XX/22 Bank of America did a Credit check XX/XX/22 Another Bank of America pulled another credit check without my consent Why do I have XXXX credit checks when opening up just XXXX account?
Product: Debt collection

This complaint is being filed against XXXX XXXX Amsher Collection Services XXXX 
I had XXXX services for over 10 years before I switched service to XXXX XXXX XXXX  XXXX XXXX, XXXX. I never owed nor did I ever default on payments of my bills. I returned XXXX equipment when I canceled my service with them and received a {$0.00} balance. 
However, around XXXX, XXXX. I started receiving collection notices and phone calls from Amsher Collection Services that I owe XXXX  the sum of {$430.00}. Around XXXX, it was reported to all three credit bureaus that I now owe {$220.00}, with {$210.00} given to me as credit. I have sent out email to ask how and why this change or credit but I have received no response yet. 
It is important to note that I was never under any contract with XXXX that required an early cancelation fee. So I have no idea why they are saying I originally owe {$430.00}, and now {$220.00}. 
Please, I would like the CFPB to investigate this complain and ask XXXX to withdraw the negative claim they have reported to the credit bureaus.
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 and # : DEPTEDXXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # 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: Credit reporting or other personal consumer reports

In XXXX of XXXX i was a victim of identity theft. There was an account unauthorized by me open by Affirm inc. the account was charged off to me for XXXX $ i was unaware if this at the time of charge off. I have already requested a complete debt validation from this company and have been ignored. They are in violation of the FCRA in reporting this fraudulent identity theft of an unauthorized account. 15 USC 1681b, 15 USC 1692. I have the proof from Affirm that I am not responsible for this account which I will include in this complaint. Experian have 5 business days legally to block this reporting on my consumer report knowing its fraudulently identity theft. If the proper steps are not taking immediately I will be pursuing legal action.
Product: Debt collection

Since you ignored the conditional acceptance/change in terms of agreement for proof of claims, the following will happen : Based on tacit acquiescence the legally binding arbitration award, which resulted from failure to provide proof of claims to the conditional acceptance for proof of claim and change in terms of agreement The contract states estoppel from all activity. Since then, a civil lawsuit was filed by XXXX XXXX XXXX into XXXX County District Court case XXXX. According to the contract you agreed to, estoppel of any matter relating to the conditional acceptance change in terms of agreement for proof of claims based on answering each and every averment based on facts and specificities according to law. The agreement stated that any attempt to bring suit against XXXX XXXX will require 3X amount of claim enforced by agreement. Since you agreed to arbitration in the agreement. You are now liable for XXXX. The agreement you agreed to states 3X the original if parties were to further proceed in this matter without answering proof of claims enforced by the contract. Since then, you have filed a case in XXXX County, XXXX and have ignored the terms of the agreement. This brings your total obligation to XXXX. This amount is legal and binding on all parties who chose to ignore the legal and binding correspondence. Notice to all parties were sent via Certified/Return Receipt for Arbitration. Ignored. The Arbitration concluded on XXXX. The Claimant awarded XXXX. The harassment from XXXX XXXX XXXX continues as they have ignored all facts pertaining to this matter and have breached contract. The amount awarded to Claimant will be XXXX X 3 totaling XXXX now due and owing to Claimant XXXX XXXX. Please send payment to XXXX XXXX XXXX XXXX, XXXX Washington [ XXXX ]. L
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, TX XXXX XX/XX/year> Subject : Dispute of Multiple Accounts Dear Experian, I am disputing the following g accounts on my credit report and the errors associated with them. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The account is not mine. I am a victim of identity theft and this account does not belong to me. 
I request a FULL investigation and or delete the account from my credit report. Thank you for your prompt attention to this dispute. 

Account Name : XXXX Account Number : XXXX This account contains inaccurate date information including opened date, close date and payment history. The information reported does not align with my records. The opened date is reported completely different on XXXX and is not reported on XXXX at all. The closed date is incomplete and does not align with the other credit reporting agencies. 

I'm requesting a FULL investigation into this discrepancy to ensure the accuracy of the dates and payment history associated with this account or delete it from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Debt collection

XXXX does not even own this debt. someone by the name of Credit Control is trying to collect on this debt that i never had
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.