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

This complaint is in response to complaint # XXXX # XXXX # XXXX. Your claim that there is a completed investigation on the accounts I ( the consumer ) submitted for removal, was not properly verified. XXXX, Equifax, nor XXXX interviewed any ( none ) of my family or neighbors. Per section 606, it contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. Funny when you know the law XXXX likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and XXXX needs to address the facts I have presented. The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 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. Notice Congress said the consumer has a right to privacy. XXXX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. XXXX, DEPTEDXXXX, XXXX XXXX US DEPT ED. I am also demanding to be compensated via check { {$1000.00} } per violation totaling { {$15000.00} } pursuant to 15 USC 1681n. I also Filled a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting that I owe {$250.00} since XXXX of 2017. I paid the balance in full in on XX/XX/2017. When I called them to complain they acknowledged that they received the payment. I feel this should be taken care of immediately and it has adversely been affecting my credit score for years. They also have held onto the Title to my car and led me to believe it was given to the dealer where I purchased the car, XXXX XXXX, which went out of business years ago. I have enclosed proof of final payment.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Checking or savings account

Account was restricted in error from bank. I was charged multiple nsf charges and it has not be credited. Bank stated they could not find I owned my own business thats why it was restricted once info was sent it now its magically not restricted and i was charged like 50 nsf charges
Product: Credit card or prepaid card

XXXX XXXX Credit cards / Synchrony Bank is charging a " Card Security '' fee monthly. You are auto enrolled into this program with sign up, without explanation. Upon speaking to customer service regarding a refund, they state they are unable to. These are shady business practices. I have been charged monthly since XX/XX/2011. The fees are up to around {$150.00} a month now. Paying the bill every month, yet my balance goes up. Never told that I was enrolled in this program, never told this was an optional fee.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] Early Warning Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute certain inaccuracies in my XXXX XXXX XXXX report. My full name is XXXX XXXX, and my Social Security XXXX is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : Bank Name : CAPITAL ONE 360 Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/year> Current Account Status : Savings Post No Debits Previous Account Status : Savings Closed I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

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

EQUIFAX is reporting information on this account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report.
Product: Consumer Loan

EX-HUSBAND REFUND XXXX PAY FOR CAR
PAYMENT AND  ANOTHER ON HIS TOP
NAME .. and XXXX
 SO WHAT  I DO  WITH IT  PLEASE  
LET ME KNOW  PLEASE ,  WE  ARE  XXXX 
EX-HUSBAND  HAVE XXXX JOB ,  I AM XXXX JOB
I AM VERY SICK  MYSELF AND SURGERYAS
XXXX  ANYWAY ..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Social Security Number : To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$360.00} on XX/XX/2021. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( MISSING ACCOUNT ) -XXXX  XXXX XXXX XXXX XXXX Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : {$53000.00} Updated Balance : {$48000.00}. ( INACCURATE STATUS ) -XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Account # XXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ), i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you update my payment status to PAID AS AGREED NEVER LATE ( XXXX ) immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND THERE ARE CLAIMED THAT I HAVE ACCOUNT WITH CAINES & WEINER, BUT I NEVER HAD ACCOUNT WITH THEM. I HAVE NEVER ENTERED INTO ANY BUSINESS ARRANGEMENT AND I NEVER SIGNED ANY CONTRACT TO CONDUCT ANY KIND OF BUSINESS WITH THEM. WHEN I CONTACTED THEM THEY TELL ME THEY ARE A 3RD PARTY COLLECTOR, WHOM HAVE NO PERMISSION TO FURNISH ANY INFORMATION ON MY CREDIT REPORT IN THE FIRST PLACE. I DID NOT GIVE THEM THE AUTHORIZATION TO ACCESS MY CREDIT REPORT FOR ANY REASON. PLEASE I NEED HELP. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX card in XX/XX/XXXX, left it go to collections and it closed XX/XX/XXXX. Pair it off XX/XX/XXXX. It was last reported XX/XX/XXXX. Called equifax to have it removed. Lady told me no it had to stay on until XX/XX/XXXX. Im calling XXXX on this one.
Product: Mortgage

My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.
Product: Credit reporting

We filed for Bankruptcy in 2009 and our case was discharged as planned. However Experian has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : XXXX Days : XXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATETXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days : XXXX Days : XXXX Days : XXXX, XXXX, XXXX
Product: Mortgage

Freedom Mortgage took over responsibility for servicing my loan for a property in Hawaii in approximately XXXX of this year. Prior to Freedom, my loan had been serviced for nearly 7 years without any issues by XXXX Mortgage. Before Freedom had even sent me an account number to which to send my payments, they sent me a late notice that I had failed to make a timely payment. 
Once I had an account number, I immediately made timely payments. However, Freedom continues to send me late notices claiming that funds are due on exactly the XXXX day of the month. If funds arrive one day later, they told me, they deem the payment to be late. This is not how the loan documents read nor it is it how XXXX ( or any other loan servicer I have worked with for the past 20 years on multiple home mortgages ) interpreted or enforced the timing of payments. 
In XXXX, I received notice from Freedom Mortgage that they were going to increase the amount of the escrow account requirement by approximately 30 %. My taxes and insurance have not increased by 30 % so I asked Freedom Mortgage to terminate the escrow account and that I would pay the taxes and insurance directly. Freedom denied my request claiming, among other reasons, that I did not have a record of timely payment and that my loan to value was more than 80 %. Since the matter of timely payment has been conjured entirely by Freedom, I objected to the former reason, and since my loan to value was actually in the 30 % range ( had Freedom performed any basic due diligence they could have found this out on their own ) I objected to the latter reason as well. 
I believe the facts illustrate that Freedom is manipulating escrow accounts in order to hoard funds that they can invest or borrow against themselves. They are pressuring and misleading borrowers and, with deliberate action, are misinterpreting loan documentation.
Product: Debt collection

I XXXX XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  provided documentation to remove this account from my credit file   XXXX    refuses to remove the account.  XXXX  does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.
Product: Credit reporting or other personal consumer reports

You are currently reporting incorrect information for the tradeline " XXXX XXXX '' Showing that I have a balance owed and I do not have a balance on this account..
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account and several incorrect addresses on my report. I have already tried contacted this company via certified mail ( Tracking # XXXX ) with no response or resolution. 

Fraudulent account : XXXX XXXX XXXX  ACCOUNT # : XXXX Incorrect addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX hard inquiries listed on my credit report by XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to my records, this inquiry was marked as " Accurate '' ; however, I have NOT authorized or initiated any such inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was previously removed then placed back on my consumer report. XXXX XXXX XXXX XXXX XXXX was WITHOUT proof verified as " accurate ''. 

I hereby request that you provide me with proof that I myself authorized or initiated this inquiry myself. It is imperative that you furnish me with documentation or evidence validating my consent for this inquiry to proceed. 

In the absence of satisfactory proof demonstrating my authorization, I respectfully request that this hard inquiry be promptly removed from my account. Failure to provide evidence of my authorization will prompt me to escalate this matter and pursue appropriate actions under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent hard inquires. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this dispute in writing within reasonable time as mandated by the FCRA. 

Thank you fro your prompt attention to this matter.
Product: Checking or savings account

I previously went online and linked my savings account to my checking account to have overdraft protection. On XX/XX/2020 a check was returned and I was charged an overdraft fee. Now the company that the check was returned to will not allow me to write checks unless I have a letter showing that it was the Bank 's error. I called the Bank and was advised that the linking of the accounts were done in the reverse ( that funds in the checking would cover overdrafts on the savings ) ( I don't understand why anyone would want to do that ) .. The Bank said they would fix the error and send me out a letter explaining the error. Today, XX/XX/XXXX, I attempted to use my card to make a purchase and it was declined. This means that they have not fulfilled my request made XX/XX/2020 to link my savings account to cover overdrafts on my checking. I had to manually transfer funds from my savings to my checking to cover my purchase.
Product: Debt collection

Velocity investments llc filed a lawsuit against me for unpaid debt failing following FDCPA guidelines. Velocity investments llc seems intent on violating FDCPA mandates and causing undue harm to consumers.
Product: Credit reporting

In XXXX, the information on my credit report was removed from all credit reporting agencies because I filed a complaint with the CFPB. The issue was resolved to reflect that the account was paid in full with a zero balance per Experian response to CFPB. I got a alert in XXXX XXXX and XXXX XXXX stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX. Now they are putting this information on my credit report showing an outstanding balance and that I owe monthly payments
Product: Credit reporting or other personal consumer reports

I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. My sister and I came to an agreement to co-sign for her. We already were approved by the bank beforehand and were told to simply go pick out a car.The first few days we were unsuccessful in locating a car. Whilst at work my sister and mother visited a car dealership and reported to the salesman XXXXnumerous occasions how it was completely unnecessary to run my credit. Primarily because we already got the green light from the bank. He fraudulently obtained my social security number stating he needed it for paperwork related to the vehicle my sister was inquiring about. Since we are twins our numbers are nearly identical up to the last digit. He then ran my credit with no consent or permission from me and moments afterward I receive a notification from Experian stating that the dealership obtained a copy of my credit score. Then once again on XX/XX/XXXX from XXXX stating the same thing. Both instances without my consent and or permission. This has truly put a dent on me being able to start the home buying process in the next year simply because both these hard inquiries will not be removed from my credit profile until XXXX. I contacted the dealership the day of said incident and was told on numerous occasions he would contact me at a later time to just outright be given the run around.
Product: Credit card or prepaid card

I am an Ohio pandemic unemployment recipient. My funds have been frozen on my usbank reliacard since XXXX. 2 payments totalling XXXX are being held after verifying my identity several times. They have requested my State issued ID, proof of social security, tax documents, and a selfie, all of which I've sent. These are the same documents that Ohio unemployment insurance accepted to verify my identity.
Product: Money transfer, virtual currency, or money service

someone impersonating bank of america text me text alerts and called me using the actual bank of america phone number. i was scammed into giving almost XXXX dollars away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times, I demand the account below to get remove because According to 15 USC 1681, I have the rights to privacy and I did not give equifax permission to furnish these accounts below XXXX XXXX XXXX  open balance {$700.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$300.00}
Product: Money transfer, virtual currency, or money service

I have been utilizing square for my XXXX  XXXX  for customers to pay invoices for XXXX. Over the last couple days I noticed miscellaneous charges that were not explained upfront before utilizing the app. When looking at the app it shows that specific transfers cost a certain percentage fee to transfer money from Square to my bank account. But, the option that I use which is 1 to 2 business days does not state that there is a fee to utilize this transfer process. When I contacted Square customer service today to ask about the miscellaneous fees that Ive been charged over the month and a half they could not give me a response on why I was being charged these fees nor did they disclose these fees to begin with. When transfers are completed same day to your bank account there it states on the app there is a 1.5 % transfer fee. So why am I being charged a fee when I elect to do the 1 to 2 business days transfer? And the fee is more than the same-day transfer. According to the app when looking at it there is no fee for 1 to 2 business day transfers yet Square has been charging me for each transaction 2.9 %. Square has also blocked me from being able to contact their customer service for up to a week because they said that I was disgruntle. How can you fault a customer for questioning their money?
Product: Credit card

Well on and XXXX there is a charge of around {$400.00} and I called and disputed the claim and they don't seem to want to help me solve this it is not mine and I just want to get this fixed
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX