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

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX  opened : XX/XX/XXXX -XXXX  opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX
Product: Mortgage

Entered into contract to buy a house. Loan originator has drug his heels for 2 months. Closing date has changed 4 times and still can't get a firm date to close. Southwest Funding has created a major nightmare
Product: Checking or savings account

During the summer of 2020, I went to my local " Citibank '' to open a business checking account. 
I have my personal credit card, checking and savings account with this financial institution, so I decided to have my business account with them. 

The process was never finished, no paper work was provided, no account number was provided, no temporary checks, none of the basic new account items. Also no money was deposited in this account. 

Regardless, Citibank is charging me with {$43.00}. All my attempts to explain that the account wasn't technically/legally opened were in vain. 

Why do I have to pay a fee for an account that wasn't even opened? 

Thank you very much.
Product: Credit card

I placed an order from a merchant and it says on USPSXXXX that it was delivered but it wasnt. I never received the item, never signed for the item, there is not even any proof it was delivered to my address, yet I am being held responsbile. I have filed a claim on USPSXXXX but discover card will not reopen the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy on my Equifax credit report regarding my XXXX student loans. Specifically, the report inaccurately states that I was delinquent on my payments, which is incorrect. 

I have confirmed with XXXX that I was never late on my student loan payments. Per their records, all payments were made on time. This directly contradicts the delinquency reported on my Equifax credit report. 

Under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), consumer reporting agencies are required to report accurate information. Reporting this delinquency is a violation of my rights, as it misrepresents my credit history and financial reliability. 

I kindly request that you : Investigate this matter with XXXX and verify the inaccuracy. 
Remove the incorrect delinquency from all 3 credit reports immediately. 
Provide written confirmation of the correction upon resolution. 
Please let me know if you require further information to complete your investigation. 

I expect a resolution within the 30-day timeframe as mandated by the Fair Credit Reporting Act. Please confirm receipt of this dispute and keep me updated on the status of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Checking or savings account

In XX/XX/2022 my parents account at citibank was closed. My account was a custodial account of my parents account and therefore was blocked at that time. Since then I have called citibank many times to close the account and return my funds. They promise to look into it, however, no resolution for 9 months.
Product: Checking or savings account

I deposited a {$120.00} to my account through the atm & my cash was not accredited to my account because the atm had issues. I went inside to the bank & they told me to call customer service to dispute my claim. I called customer service sitting outside the bank & I was told I would have to wait up to XXXX business days to get my cash accredited to my bank account. I asked why would I have to wait & was told that's the soonest my funds could be released to me. I explained I didn't have any extra money & had to pay a bill & they said it was nothing they could do which left me without {$120.00} to pay my bill & very upset. Im making this complaint because if the atm is having issues or glitches it should have an out of order sign & fifth Third should release funds immediately!!!!
Product: Credit card or prepaid card

This company has been the WORST EVER TO DEAL WITH.I had transactions from MONTHS AGO that I wasnt allowed to dispute on my Credit Builder Account because for some reason Chime wouldnt allow me to.so I reported them on here as well as the CFPB for their fraudulent and suspicious dealings. I have been missing for a long time my money, which totals up to {$1700.00} in unauthorized transactions on the Credit Builder account and It is UNACCEPTABLE!!!! I disputed because I got a message from Chime on here that I could FINALLY dispute these fraudulent transactions and guess what? Just like everyone else on here they denied it in less than 24 hoursI asked for the documentation supporting why they denied and they never provided nor did any of the documentation support their actions of denying my claim.!!!! I have had SO much trouble with this company and their lack of security to which if you look at all these complaints, most are about Chime not giving us our money back.its sad a company will really try and scam people out of their hard earned money when it is stolen from them. I am DEMANDING my {$1700.00} back IMMEDIATELY IN THE FORM OF A CHEXK EXPEDITED TO MY ADDRESS ON FILE OR YOU WILL BE SUED FOR FRAUD AND DAMAGES.!!!! This is not a game.! I want my money back IMMEDIATELY.! Send my funds expedited.! Hold up what you said you would or face the consequences up to the full extent of the law they will permit. I am listing the fraudulent transactions below : XX/XX/2021 - XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX - {$270.00} XX/XX/2021 - XXXX XXXX XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX - {$68.00} XX/XX/2021 - XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX {$100.00} XX/XX/2021 - XXXX XXXX  - {$88.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested documentation from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. U.s. bankruptcy court reference number XXXX also date on trans union and XXXX and XXXX are wrong please delete this off my credit report asap. I did not give any permission to have this on my credit report also the bankruptcy court did not give permission or information to have this on my credit report.
Product: Mortgage

Hi I am trying to get payoff information on my equity credit line attached to my house acct ending in XXXX that was charged off in XXXX but its still attached to my house. I went through bankruptcy but didnt include my house. There lies the problem. Due to BOA charging off equity line then my filing bankruptcy, even though house not included in bankruptcy NO DEPT would take responsibility for issuing payoff letter so around in circles I was transferred/put on hold/disconnected etc. I am selling my house and signed contract XX/XX/XXXX and was supposed to close XX/XX/XXXX and signed extension to XX/XX/XXXX and now extension through XX/XX/XXXX with same approved buyer. I have so far missed two closing dates for lack of payoff information from Bank of America I have been communicating with Bank of America since XX/XX/XXXX when XXXX XXXX was getting no response to payoff request. I have been calling/transferred to following depts : Bankruptcy XXXX option XXXX then option XXXX again ALSO XXXX XXXX XXXX XXXX  XXXX ALSO Non-converted loans dept XXXX. After little or no help getting payoff and daily run around I sent an email to corporate customer service. XXXX XXXX and received a call from XXXX XXXX XXXX Ext XXXX who is trying to assist me but no payoff info yet. I contacted my attorney who helped me with my bankruptcy ( which I did not include my home in the bankruptcy but we never received communication from BOA concerning the second mortgage during the bankruptcy process so my attorney stated that I would just need to contact him if I have issues, which I did and he recommended I make a complaint with the XXXX and your FL Dept ) I have filed a XXXX  complaint and now filing with you. My nerves are shot Im XXXX XXXX XXXX XXXX have XXXX etc.etc. trying to get this handled I have spent time on the phone since XX/XX/XXXX every day from three hours at a time getting disconnected then trying again and again sometimes up to nine hours a day Im promised this that and the other but never get the payoff letter sent to my title company the amount wont change {$27000.00}, theres no fees to add to it, its the amount they charged off but still they cant send over a simple payoff letter with that amount on it, they can tell me the amount but they cant send a letter. I am at my wits end please help me before I lose the third closing with my approved buyer on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report, information belongs to someone else. XXXX BANK opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.
Product: Mortgage

There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan foreclosure proceedings started but did not complete and that that it should reflect in the history. However in the current status the loan shows as foreclosure. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency XXXX and the lender and both seem to believe that Foreclosure is the correct status. 
While the loan transfer shows correctly with XXXX and XXXX, the mortgage company and XXXX refuse to either correct or delete the tradeline for inaccuracies. XXXX currently shows this as a foreclosure not a transferred loan. The notes are correct the current status of this Loan with LoanCare is transferred not foreclosure LoanCare refuses to update their or resubmit the appropriate code that shows transfer even though they acknowledge no Foreclosure occurred. LoanCare refuses to correct the report to show transfer closed.
Product: Debt collection

I never received any dunning letters or notification from this company about this alleged debt. I disputed it with the 3 cred bureaus, ( XXXX, XXXX, & XXXX  ). It was removed from XXXX and XXXX  but not XXXX. It is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has caused me severe problems. XXXX years ago I was denied credit from an error on their end. Now once again I have been denied credit. This time however is a severe breach of my privacy. I must find out how to press legal charges against this company. They continue to make errors on my credit report, and have caused me severe consequences. I must know how to force them to finally fix my credit report after over XXXX years of trying on my own. This agency has some of those complaints, yet this agency does nothing to help. Who can help me fight this company that seems to enjoy destroying my life?
Product: Credit reporting or other personal consumer reports

I bought a used car from them some things fell threw with life and it got repo after that they sold my car to someone else but wanted me to pay for it still so we went to court and the judge said i needed to pay {$100.00} every month till it gets paid this was issued in XXXX- so since then which i have all my receipts and i have paid {$100.00} like im suppose to but they have reported me over 90 days late for every payment- which now is effecting me buying a home and holding up the process and my lender advised me to reach out to you guys- below i will attach my docs, ty
Product: Mortgage

Hello CFPB, We were under XXXX forbearance with our previous loan servicing company ( XXXX Bank XXXX for 12 months from XX/XX/XXXX thru XX/XX/XXXX and then we called XXXX Bank XXXX XX/XX/XXXX to advise them that we were ready as of XX/XX/XXXX to resume making our mortgage payments and we would like to apply for a loan modification and partial claim on our loan and it was approved and was filed with the Florida XXXX XXXX XXXX XXXX Courts and recorded on XX/XX/XXXX. Shortly after the partial claim was filed and recorded at the local county office, we were advised that our current loan would be sold to a new servicer ( Lakeview Subserviced by Mr. Cooper ) and that everything that was previously done by XXXX Bank would be transferred over to Lakeview on XX/XX/XXXX. Needless to say, since day 1 with this new servicer it's been a total nightmare in trying to get our mortgage loan back to " current status '' so that we may continue making our monthly payments and put this episode of our lives behind us. We have been patiently waiting since the loan transfer in XX/XX/XXXX for this issue to be swiftly handled and resolved by Lakeview but every time we call them on the phone all we get is a different story including they are " still working on the loan modification '' even though the partial claim has already been recorded in the county clerk of courts, we also received a phone call from Lakeview on XX/XX/XXXX to congratulate and tell us that our loan had been submitted for " booking '' and that by XX/XX/XXXX the loan would be back to current status whenever we logged on to their website so we could start making payments again, this did not and hasn't happened yet and we are still desperately waiting on Lakeview so we may continue with our lives. At this point we are even afraid of Lakeview being up to something and us losing our home. CFPB, can you please help us out with this issue asap.
Product: Debt collection

Eastpoint Recovery Group is a collection agency located in XXXX, New York between XXXX and XXXX I was relentlessly harassed and threatened until I filed a complaint with the New York and Ohio Attorney general 's office as you can see from the document I'm submitting they not only called and harassed me but they called and harassed my elderly father and brother threatening to have me thrown in jail. The outcome was that Eastpoint Recovery Group put a cease-and-desist on my account and no further contact was to be made with me and when I would decide to settle the debt when I could. As retaliation EastPoint Recovery Group sold this account to another credit agency XXXX XXXX XXXX without my knowledge. XXXX XXXX XXXX is now suing me for the debt. The original creditor of the debt is XXXX XXXX XXXX for the amount of {$2200.00}. In the court summons XXXX XXXX  XXXX is threatening garnishment. I have had no contact with XXXX XXXX XXXX regarding this debt until I receive the court summons on XX/XX/XXXX. There has been no attempt to collect the debt from XXXX XXXX XXXX. I don't even know who they are. Last I heard the debt was with Eastpoint Recovery Group. In the court summons XXXX XXXX XXXX submitted a bill of sales for this account on or about XX/XX/XXXX not from Eastpoint Recovery Group but from the original creditor XXXX XXXX XXXX XXXX to XXXX XXXX XXXX which is untrue. It just seems like the debt is being bought and sold from XXXX debt collection agency to another without my knowledge until finally it got to a debt collection agency XXXX XXXX XXXX who would who would sue me for the balance this company is known to sue people and EastPoint Recovery Group knew what they were doing when they sold the debt to them. XXXX XXXX Bank did not want to resolve debt. On multiple occasions I made attempts to settle the debt before it went to collections with no resolve. The debt was sold XXXX XXXX XXXX to Eastpoint Recovery Group without my knowledge then it was sold from Eastpoint Recovery Group to XXXX XXXX XXXX without my knowledge who is now claiming that they've bought the debt from the original creditor XXXX XXXX XXXX which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the Equifax data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.
Product: Checking or savings account

On XXXX, a total sum of {$1400.00} was taken out of my Bank of America account without any prior notice to my registered email address, notification in the app/push notification or any letter sent in the mail to my place of residency or employment to notify of the removal of funds from my account. The day prior ( XXXX ), I deposited {$1500.00} from my XXXX XXXX XXXX XXXX account into my Bank of America checking account and the following day, all but XXXX U.S. Dollars and XXXX cents were taken out of the account by Bank of America. I spoke to a representative from BofA ( Bank of America ( as stated by their mobile application ) ) and she responded that it was taken out by Bank of America but it wasn't her department to see more information as to why. My account has never been negative nor have I owed any amount of money greater than or equal to {$300.00} at one time to the BofA financial institution presently or at any time in the past, including credit card debt
Product: Debt collection

Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft with Transunion case # XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Transunion has failed to investigate and remove these items from my consumer report. XX/XX/2023 they responded with a letter saying that's these accounts are verified which is a violation of my consumer rights. 
See documents attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They got me to finance the vehicle through VW Credit. VW credit set up auto pay with me and told me that it would take 1 billing cycle to be finalized. After the first two billing cycles, the autopay did not finalized and it caused me to miss a payment.

I have been trying to work with VW Credit ever since and they have lied saying that they send me a letter with instructions to dispute in XXXX. I never received such letter. 
They will not give me access to my online portal saying that my account is too old. This missed payment was their fault. It is something I am trying to remove from my credit report. I've disputed with the company ( I asked them to actually send me a letter this time ) and I've discussed with the credit bureaus. 
I never missed any other payment because I do not miss payments. They missed the first autopayment and lied about when the auto pay would be finalized.
Product: Debt collection

Subject : Formal Debt Validation Request & Cease and Desist Demand for Immediate Removal To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 for the validation of the alleged debt reported to my credit file.

I do not recognize this debt, and therefore, I am requesting full validation before any further collection attempts or credit reporting. Until proper validation is provided, you are required to cease all collection activity, including reporting this account to credit bureaus.

Debt Validation Demand Per 15 U.S.C. 1692g ( b ), I request the following documents as proof of this alleged debt : 1. A signed purchase agreement and contract proving that I agreed to this debt.

2. A full accounting of the debt, including itemized statements showing how the balance of {$320.00} was calculated.

3. Proof of assignment or ownership, including a signed contract proving that you legally purchased or were assigned this debt from the original creditor ( GEICO Indemnity Co. ).

4. A copy of any judgments, contracts, or agreements that legally authorize you to collect on this debt.

5. Proof that you are licensed to collect in my state, including your collection license number.

Cease and Desist Notice Until you provide the requested validation, I demand that you cease all collection activities under 15 U.S.C. 1692c ( c ), including : Reporting or verifying this account with credit bureaus.

Calling, emailing, or sending letters regarding this alleged debt.

Selling or transferring this account to another agency.

FCRA Violation & Required Action If you can not provide the full and complete validation as requested above, you must : 1. Immediately remove this account from all credit reporting agencies.

2. Cease all collection attempts permanently.

3. Provide written confirmation of deletion within 5 business days.

Failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Potential legal action under 15 U.S.C. 1692k for damages caused by your violations of federal law.

This is my final notice. If you do not comply, I will proceed with legal and regulatory actions.