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

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law.
Product: Debt collection

I have been working with XXXX XXXX XXXX to settle my credit card debt and have been consistently mislead or lied to throughout the process. I recently sent them additional funds to pay off a small ongoing structure and XXXX XXXX relief says the payment will take a full month to be paid. This allows them to charge an extra month of account and payment fees, forcing me to send in another lump sum to cover those fees. If this lump sum takes another month to process, they will hit me with those same fees again next month.
Product: Debt collection

I contacted the Bureaus to pay a debt because I was required to satisfy the debt for my employment. I asked if I would get a paid receipt immediately if I paid the debt in full. I was told that I would be emailed a paid receipt by the end of that business day. It has been 3 days and they have failed to provide me a paid receipt or any type of receipt or documentation showing the payment. They did withdraw the money from my account. I have called them every day trying to get a receipt or some documentation from them showing the payment. I have confirmed multiple times that they have the correct email address. They keep telling me that they will get to it but they haven't yet and it is placing my employment in jeopardy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

In my previous CPFB complaints ( case numbers XXXX ; XXXX ; XXXX ) referencing XXXX illegal refusal to perform a mutual offset or discharge on the XXXX XXXX ending in XXXX ; their XXXX check of my credit report ; and their retaliation for closing other accounts ( Home Depot, Macys ), I asked Citi to provide a copy of XXXX tax documents XXXX, XXXX, XXXX, and XXXX which prove that Citi is the fiduciary debtor. To date I have not received these tax documents. 

I also requested via certified mail and in the XXXX complaints mentioned Citis notice of dishonor from a qualified third party such as the US Treasury explaining why Citi refuses to perform a mutual offset or discharge. Citi must also state which federal laws prevent them from performing a mutual offset or discharge. In reference to the agreement Citi mentioned, I need the copy of the agreement which shows the wet ink signature of both parties sent to me via certified mail. Finally, Citi must explain why they kept the XXXX accounting document when they refused to do the mutual offset or discharge. At the present, Citi is already in default with dishonor and estopped from any and all future collection activity and negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Good morning. I got scamed over the phone and they used my XXXX  application in chase bank to transfer to their account in XXXX  XXXX XXXX using my phone number. They got in to my account and just transferred the money. I gave them code confirmation over the phone due to " block unauthorized '' transactions. Turned out it was some approval code. He manipulate me that someone got in to my account and tried to transfer the money. 
I file the claim to my chase bank but 3rd day and no results. They not sure if they will get my money back because it was XXXX  transfer so its like cash transfer. It happened on XX/XX/XXXX. 
Once i finish the call with scam, i called my bank to double check if its true and it was not. so i told them its fraud and not authorized transaction. 
And another issue is that i can not contact XXXX  XXXX XXXX over the phone, because im not the customer. And i can not contact them and remove my phone number from someone account.. because now my phone number for XXXX is XXXX to XXXX XXXX XXXXXXXX and i dont know how to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/XXXX and informed the agent that I was a victim of their inquiry issue and that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the second complaint, after the 1st complaint to cfpb CASE # XXXX, My mortgage company Nationstar, lost XX/XX/2015 payment that I sent. So being 2 months behind I tried to make a payment, they rejected saying that I was 4 months late. Yeah, I was 4 months late because they lost XX/XX/2015 's payment. Of course they put the burden on me to find out where it went, they gave me a " fax '' line to a " research department '' to send proof. I sent them a XX/XX/XXXX statement on the XX/XX/2015,. I learned on XX/XX/XXXX they sent out a letter stating that to of no fault of there 's they could n't find anything & closed the case. The letter sent stated that if I had any added proof to send it. I then drove to the bank had them send over a statement and the electronic copy of a check on XX/XX/XXXX. I called on XX/XX/XXXX and they told me they ca n't tell if the research dep. received it or not because they ca n't talk to them, no one can talk to that department I was told. Today is XX/XX/XXXX, & I sent all the info again via fax,, its funny how they want me to send it to a fax #,, I 'm so tired of being helpless,,, I 'm mean really, There trying to force me into foreclosure because of the modification & the complaint to cfpb, when I called to ask why wo n't they accept a payment, they said I have to make a payment resolution or nothing at all,,, meaning I have to pay all 4 payments or they put me into foreclosure. 
How is this fear? I ca n't come up with four payments,, this is totally not fear, and people are losing their homes when they can afford them. I 'm losing my house because they wo n't let me pay them,,, and why is this modification taking so long? These people are making up rules & breaking the law in many cases and no one is looking into this stuff,,
Product: Checking or savings account

They dont allow me to open an account after I been victim of fraud I tried to communicate with them about it but they still saying Im the one who do the fraud so now they dont want me to open an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the fradulent account reported to my Experian report. XXXX XXXX and XXXX XXXX credit card.
Product: Mortgage

Upon purchasing my home, I set up an escrow account to handle the taxes and insurance. Based on previous tax information available to me and the Stearns Lending, I was able to tell they were not taking out enough money to cover the taxes. I phoned them about the issue and they assured me they were taking out enough but they would reassess within 90 days. At 90 days I called back still sure they were n't withdrawing enough money and was again assured they were. I specifically stated my concern that I would recieve a large bill if they did n't take out enough and they assured me they were. A few months later, after a disbursement, they even reduced the payment by a small amount. This month I received XXXX tax bill or a {$1500.00} increase on my monthly payment because for the past 15 months, they have n't taken enough out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to, XXXX XXXX XXXX Acct number : XXXX According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have a right to privacy and the reporting alone of this alleged debt violates my rights. I did not give consent to this debt collector to report this account. 

Under 15 U.S. Code 1692g - Validation of debts, debts are to be validated by law. This debt has not been validated. The 1st and only communication received from this collection agency was in response to my validation request. They responded with XXXX request for payment ( see attachments ). According to the law, a bill does not validate a debt so they continue to violate my consumer rights by reporting an invalidated debt. 


Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 XXXX and XXXX further violate my rights and the law by falsely updating the date last active each month because theres been absolutely NO activity on this account. They are illegally prolonging the length of this alleged debt.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting on my credit report listing you as the original creditor of account XXXX which has an alleged balance of {$240.00}. I do not recall having an account with you, nor do I recall receiving correspondence from your company about this alleged debt. There was nothing sent to me informing me that this alleged debt was being sold to a 3rd party company. Furthermore, I have no information about this account or collection agency. The collection agency listed is XXXX XXXX which is not very specific being that there's many companies with this name. I reached out to who I thought was the collection agency and they stated that they did not have an account for me. I am requesting all information related to this account within 15 business days or this account is to be removed from my credit report immediately. Your company has been in many lawsuits due to illegal practices.
Product: Checking or savings account

Theft XXXX {$150.00} XXXX, theft XXXX {$150.00} XXXX, theft XXXX {$100.00} XXXX, theft XXXX {$50.00} XXXX, theft XXXX {$100.00} XXXX. Police called as soon as I noticed a bunch of tabs open on my phone time XXXX XXXX XXXXXX/XX/2024. Bank contacted XXXX XX/XX/2024 when I told them that said transactions were not authorized totalling {$550.00}. Bank canceled my card and told me that I would receive credit within 4 days of the call. Now let 's count Saturday, Sunday, Monday, Tuesday over 4 days. Transactions posted like normally except for late with no credit given police shutdown account that took the money. Claims department jp mogan chase bank called after flagging XXXX of XXXX transactions I didn't authorize. Number given on the app was XXXX time XXXX was told bc a hold was placed on the transactions I called about now I'm not getting credit until the team approves it. Which per statement would be as early as end of today XX/XX/2024 or give it XXXX or XXXX days more. This is misrepresentation by a financial institution. I was robbed and I'm being told in no uncertain terms that we'll get around to it.
Product: Mortgage

As the result of a family emergency, I requested that  Fay Servicing  halt my ACH mortgage paymnent for  XXXX  on  XX/XX/XXXX . The payment was scheduled to come out my account, as usual, on  XX/XX/XXXX . I was told on  XX/XX/XXXX  that the ACH would be halted and would resume as normal in  XXXX . I told the account agent that I would make the payment prior to the end of  XXXX , that I had to move some money around and that I needed a couple of weeks to do that. On  XX/XX/XXXX , the payment was debited from my account. In reliance on  Fay 's a ssurance that the payment was paused, there was insufficient funds in my account to cover the mortgage and my other obligations. I ha ve called Fay every  day since the  XX/XX/XXXX , sometimes twice a day, in effort to get them to make this right. In addition, I have emailed someo ne at Fay every day for the last four days to explain this problem and have included pdf attachments showing the NSF fees for that d ay. In the meanwhile, my account has been charged at least {$260.00} in NSF fees so far. Everyone I speak to promises to call be back, but over the course of  four days, I received one call back, with no resolution and no one at Fay seems to be able to figure out how to resolve this issue.
Product: Mortgage

I have a HELOC with TD BANK with a XXXX balance and I am trying to close out my loan so that I can complete a refinance on my home. I visited my local branch on XX/XX/XXXX and submitted my Home Equity Line of Credit Closeout Request form as well as my payoff/fee for closing the loan. I was told at the time that the process would take 5-7 business days to complete. I assumed that the bank had everything that they required to close out my loan and I called to check the status of my close out on XXXX ( 5 business days after I submitted the paperwork ). At that time I was told by the representative that I spoke with that my form and payment were not received by corporate until XX/XX/XXXX so the loan would not be closed until XXXX at the latest. 

On XXXX I called the bank and was told that the bank had the information that they needed to close out my loan but that the process was just taking longer then usual. 

I waited until XX/XX/XXXX to call and follow up again on the status of closing out this loan and was told at the time that the bank had only received my payoff and did not receive my closeout request form. I had called them 3 times previous to this and they did not inform me of this until over 2 weeks after I started the process. I followed up by sending a copy of the closeout form that I had submitted through my local branch to an email that was provided to me at the time. The representative told me before ending the call that he would try to get the process expedited for me. 

I then called on XX/XX/XXXX to check on the status of the close out and was told, again, that they had everything they needed to close out my loan and that they would help to expedite the process. 

I called to follow up on XX/XX/XXXX and again asked that they had everything they needed to close out the loan and was told that the latest the loan would be closed out was XX/XX/XXXX. 

On XX/XX/XXXX, when my loan was NOT closed out I went down to my local branch to talk to a manager who told me he was going to escalate the issue and try to get it resolved ASAP. Since then I've just heard that the issue has been escalated but have not found any resolve.

My rate lock is going to expire in 2 weeks and I need this loan closed out so that I can get my final approval. This incompetence my end up costing me hundreds of dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that shows on my Equifax credit report that is NOT my account. On several occasions, latest one certified on XX/XX/2021. I advised Equifax this was NOT my debt. They refused to delete this debt and state they " validated '' this debt. There is NO way they could have validated this debt because it does not exist. I asked them repeatedly for all the info that was " validated. '' They NEVER provided. I have also contacted the creditor ( XXXX XXXX ) and they NEVER validated this debt as well. In fact, they refuse to make contact with me. They never sent me anything. I have written communications with them on six separate dates which they NEVER replied. This item should be deleted from Equifax credit report. It is not on my other reports. I contacted Equifax yesterday and repeated the dispute online. Within 15 minutes, they concluded the dispute online stating they " verified '' this debt again. IN 15 MINUTES! There is no way they are being truthful. This is ruining my reputation. This untrue information needs to be deleted off my credit report. XXXX XXXX  {$960.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in proof that the car dealership released the lien on my car and that the car dealership sent me my car title showing my vehicle is paid off. XXXX and other credit agencies refused to remove or update the error on my file to being paid and closed. They didn't send me any documents showing why they denied my request to update my credit report. This has caused me great harm and stress. My credit report score has gone down because of this error.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed including a public record which they have zero written authorization from me to be reporting to my credit report. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX  | Account # : XXXXXXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX Account # : XXXX & XXXX
Product: Debt collection

The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.
Product: Debt collection

Victim of identity theft. I have Reached out to the company and credit bureaus XXXXeveral times letting them know what happened so it could be removed off my credit.