23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Mortgage

I am the owner and manager of a rental single family house. I had to quickly repair a water leak in the wall that caused the two bathrooms unusable. My mortgage company, BSI Financial Services, is holding over {$11000.00} paid by my insurance company. I filled out all required forms providing proof of payment to my plumber and contractor. 
The company promised to send my insurance money to reimburse me, but never follows through. This has been on going since early this year. One of their issues deals with an inspection, which can not be done due to an elderly tenant who is very susceptible to contracting Covid-19. The inspector told me that he would not enter the house due to potential liability. 

The last time I called their Property Loss Department I was told that the department was moved and requested that I fill out all forms again. 
Please help me
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX  XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I received nothing from this company and I just pulled my credit and this new collection is listed.
Product: Debt collection

Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.
Product: Credit reporting or other personal consumer reports

Equifax reports my credit report unavailable. Social security number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

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

I have 4 accounts with capital one. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the capital one. I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX All minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but 1 of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor Capital One have access to. Which means I don't have full control over my account Neither does Capital One. That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from capital one they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Product: Debt collection

This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. 
They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.
Product: Student loan

I was a student at XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX and they shut down / sold to become another school. I asked for my transcript for years and was never granted XXXX. In XX/XX/XXXX I attended XXXX for a few semesters and even they could never get my transcript so I could n't continue without my grades and I did n't want to start over. I told several representatives that I wanted to file complaints. Since I was never able to receive my transcript, I wanted a loan forgiveness or something of the sort. XXXX and Navient NEVER helped me. Every time I ask them to put it in forbearance or deferment it 's supposed to be for XXXX months but I get calls about it a few months later saying I 'm XXXX days late. My loans have almost doubled and for what?! I ca n't even have a piece of paper with my name and achievements on it! I have nothing to show for my loan debt! This is going on XXXX years since I started school and it has been the worst decision of my life! It was supposed to make things better for me!
Product: Debt collection

G.C.SERVICES is reporting a collection on my account which has already been paid. Back in XXXX 2017, G.C. Services agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like G.C. Services to remove this account from my credit file.Please assist in getting it removed my report.
Product: Credit reporting or other personal consumer reports

Im incredibly frustrated to find an account on my credit report that is not being accurately reflected. This account is in pending litigation, and it should not be listed as it is. The fact that its still showing up is not only wrong but also misleading, and its creating unnecessary problems for me.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. 

On XX/XX/ a cfpb complaint was submitted for validation of documents, on XX/XX/ the company responded but did not provide any documents that i asked for. This must be removed from my credit report because they couldn't validate. 
( Chain of custody ) ( Purchase agreement ) ( Swear under penalty and perjury you were present during the alleged debt ) ( Master Bill of Sale )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account name ( 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 602 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.
Product: Debt collection

the orginally debt was with smales sales and lease started XX/XX/XXXX for total XXXX smale sales and lease removed the negative enrty from my XXXX credt report on XX/XX/XXXX. 
on sunday XXXX express collection was added to my XXXX  credit report with the incorrect balance, incorrect balance date, inccrect orignal balance incorrect date opened and incorrect payment history
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Revvi Subject : Formal Complaint - Disputed Payment on Account XXXX XXXX XXXX XXXX XXXX  - Payment of {$53.00} on XXXX, XXXXDearSir/Madam, This letter serves as a formal complaint regarding an unfair business practice by Revvi on my creditcard accountnumberXXXX XXXX XXXX XXXXXXXX.Specifically, your company has incorrectly stated that a payment I made XXXX XXXX the amount of $ XXXXwas not received, despite my having successfully submitted this payment. 

I made this payment online via my bank debit card ending in XXXX, which is attached to my regions checking account ending in XXXX. On XXXX, I submitted documentation to your company as proof of this successful payment. This documentation included a valid bank statement and a checking account transaction report. 

Despite providing clear evidence of this payment, your company continues to claim that the payment was not received. This inaccurate claim is now negatively impacting my credit score, which is causing me significant concern and potential financial harm. 

I demand that Revvi immediately investigate this matter thoroughly and take the following actions : Acknowledge and recognize my payment of {$53.00} made on XXXX Correct your records to reflect that this payment was received on time. 
Immediately update this information with all relevant credit reporting agencies ( e.g., XXXX XXXX XXXX  ) to rectify the negative impact on my credit score.

Provide me with written confirmation that these actions have been taken and that my credit report has been updated accordingly.

I expect a prompt resolution to this issue. Failure to correct this error and its impact on my credit score will leave me with no option but to consider further action, including filing complaints with regulatory agencies and potentially seeking legal counsel. 

Please contact me at your earliest convenience at XXXX or XXXX to discuss the resolution of this complaint.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Roundpoint Mortgage ( RPM ), received the property tax bill for my home as well as the property tax bill for an additional small piece of property attached to my lot. There is no mortgage on that lot. It was a GIFT. I do not owe a mortgage on the property. I do not have an escrow account for that property either! 

RPM used my homes escrow account to erroneously pay the tax bill on the gifted land. I asked them to get a refund on that payment as it was not part of my mortgage or my escrow. They have the mortgage documents with the Tax ID for the mortgage and the escrow. They will not acknowledge the documents attached to the mortgage. 

I also asked them to get a refund on the delinquent bill they paid from the previous owner. I did not owe the tax bill for 2017 since I didnt own the property. They claim since the land has a delinquency on it that they are permanently attaching it to my mortgage and my escrow. The delinquency belongs to the previous owner. 

I have sent documentation that the mortgage held by RPM is for Tax ID XXXX XXXX XXXX in XXXX XXXX VA. They should only pay the tax bill for that Tax ID number. The bill they are also paying is for tax ID XXXX XXXX XXXX. I have sent documentation to show them this land was a gift and there is no mortgage on it. In addition to try and help me with RPM 's mistake, the county provided me with last years bill ( 2017 ) to show the delinquency isn't mine since I didnt own the property. The tax bill was in someone else 's name. 

I don't seem to be getting anywhere with this servicing company and I need help. My escrow is being used for a property that is not mortgaged and has no escrow account.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES 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  I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

Amount XXXX on chase/amazon card. Attempted to purchase online from Amazon.com card was declined called number on back of card to find out why. Agent [ from XXXX ] said it was for non payment of the {$17000.00} and it had been turned over to collections XX/XX/2019. These charges were made from an online XXXX account my Amazon account is XXXX   XXXX .I also receive my bills thru the mail [ none received ] Ask agent for the amounts, items and address of purchase said they are not obligated to tell me that information. Did not purchase any thing and my account shows that as of XX/XX/2019. These charges are fraudulent and need to be removed from credit history. Amazon has been non compliant and down right rude. I will never buy from Amazon again ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Experian and that I do not remember my PIN, so I can not log in. I have called every phone number on their web site and can not get a human being. I even googled " how to get a human at Experian '' and tried all those phone numbers. I typed a letter and mailed it - No reply! 
I filed a complaint with the XXXX  and finally got a phone call from a XXXX XXXX XXXX, who left a voice message with a direct dial number. I called him back an hour later, on XX/XX/2020 and got his voice mail, and left a message. I did not receive a call back, so on XXXX I called again, and again got vmail and left a message. No call back. On XXXX the same thing, and today XXXX the same thing. 
All I need is for them to reset my PIN and tell me what it is, so I can log in. 
I don't understand how such a large credit bureau could not have a human being answer the phone or have some way to get to one. Not even and email address for customer service.
Product: Credit card or prepaid card

In the year XXXX I requested an automatic payment plan be put in in place on my credit card. The customer service representative, I assume, made a mistake and the payment was not processed. In addition, the address was changed to a wrong address. As a result I did not receive account statements and was unaware the payments were not being applied until they were over 60 days late. Only after balancing my checkbook did I discover the bank had failed to draft my account. 

I called customer service a second time. I found out then about the erroneous address and asked that it be corrected. I asked a second time for an automatic payment be placed on my account and was told it was successfully put in place. I was also told by customer service that because it was the fault of the bank my credit report would not be affected. I made a payment by phone for the outstanding balance. 

After balancing my checkbook again I discovered the bank had failed to process the automatic payment the second time and I was over 60 days late paying the account. I called the bank again ( a third time ), found out the erroneous address had still not been corrected and asked again that the automatic payments be processed as agreed. On this third attempt the customer service representative was successful at implementing the automatic payments. The address change was not correctly performed this third time but I moved addresses a few months later and that address was correctly changed. At this third phone call I was reassured by the customer service agent that this was the fault of the bank and my credit report would not be adversely affected. 

I have tried to fix the erroneous reports with the bank on multiple occasions. I have since been told that although the address was incorrect I still should have received the statements ( that defies logic in itself ) or that the bank received the statements returned ( again, that would be out of my hands ). I have also been told that the company DOES NOT perform automatic payments even though the account has recently been paid off in full using exactly that process. 

I filed disputes with all three credit reporting agencies in XXXX. Chase took over 30 days to respond to my request. For that reason alone the bank should honor my request to have derogatory information removed from my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has investigated the same issue more than 7 times and has not forced the company XXXX XXXX to provide any documentation to prove the debt is accurate. I believe that this is illegal and that Equifax needs to be investigated.
Product: Checking or savings account

TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions. 
Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the XXXX system. I was misled by the scammers due to the fact that they were able to generate texts from TD bank pretending to transfer funds to me when in fact they were stealing funds. No further information was provided as to how the scammers were able to access " secure '' financial systems and generate funds requests. The 4 transfers for {$500.00}, {$200.00}, {$200.00} and {$200.00} totaling {$1100.00} through XXXX were all to the same email and occurred consecutively on XX/XX/XXXX starting at XXXX. The fraud was reported to the bank shortly after the transfers took place. The bank fraud department employee was questioned as to how 4 transfers to the same destination in a matter of minutes did not raise any flags. It appears there are no safeguards, accountability or monitoring of XXXX, transfers or account activity which appears suspicious. 
*****************************************************************************Original complaint was phone activity on XX/XX/21 with no case number or advisements presented. Follow up two weeks later with bank fraud department indicated denial without any notification to date. During the course of this phone activity, after being advised to file a police report, case number XXXX was assigned. Third instance of filing a complaint for further review by investigative management in case # XXXX resulted in a second denial again with no accounting of how the records were authorized XXXX document attached ).