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

Please refer to previous closed complaint # XXXX ( Kindly re-open it ) Company closed the complaint without reading the DISPUTE PART. ( I did no shopping with any of XXXX 's card - I had no idea card existed on my name ). 

XXXX did not issue me credit card on XX/XX/2016 or later .. (  When i applied in store I was told by XXXX XXXX associate because of computer issue they couldn't tell me weather my credit card application was approved or not ) I DENY using any XXXX  's credit card to buy anything..So this {$110.00} ( they asking me to pay me FRAUD!! ) My suspicion is XXXX 's own employees misuse customer 's cards and they did in my case. XXXX should investigate this incident. 

I am collecting data from other XXXX customer 's who had gone through similar FRAUD in that store.
Product: Mortgage

Per nstructions of XXXX ID # XXXX Fay Servicing Customer Service Submitted requried documents for short sale of my property. I called Fay Servicing several times to speak with some one about my short sale. I am always told hey can't help me and I must speak with XXXX XXXX. Ms. XXXX will not return calls and I can't get her on the phone. I have requested property foreclosure sale be postponed allowing me to sell my home. I would like for the investor for my loan to be contacted and made aware I have my home listed on the market for sale. Fay Servicing still refuses to assist me even though they have forced me to sell my home refusing to offer mortgage assistance. I requested a forbearance under the Cares & Hero 's Act. but they will not approve me.. 

Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

MOUNTAIN RUN SOLUTIONS was allowed to add a false debt collection on my XXXX report. They also added it to XXXX. It was removed from my XXXX  report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to MOUNTAIN Run Solutions however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.
Product: Debt collection

I have Filed Disputes on All three Credit Bureaus XXXX, XXXX, XXXX & sent physical letters without Result. I have requested a WET Signature authorization the sale of Debt & Proof of actual debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692, et seq.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, et seq.

Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5481, et seq.

State consumer protection statutes creditors are mandated to adhere to strict guidelines when transferring or selling debt accounts to collection agencies. These guidelines are put in place to protect consumers like myself from unfair and deceptive practices. However, it appears that these regulations may have been violated in my case.

I must insist on immediate clarification regarding the status of my debt account and the parties involved in its management. Furthermore, I request detailed documentation and evidence demonstrating the lawful transfer of my debt, including any agreements or contracts signed by myself consenting to such actions. 

1 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Phone number : ( XXXX ) XXXX XXXX ) Account # Name NATIONAL CREDIT SYSTEM Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone number : ( XXXX ) XXXX XXXX ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX
Product: Credit card or prepaid card

This does not perfectly fit your choices. What happened is the credit card bank took money from my account at another bank without authorization. When I brought to their attention, they said I would get the money back in 2 or 3 days. 7 days later I called and they said that they take more time even when it is their mistake -- which they have not challenged. 

It is now nine days since they took {$4500.00} without authorization and have refused to refund it in a timely manner ( or pay any interest on the funds ).
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I have tried so any times to dispute this claim, but i see no action or improvement on my credit report. please, List of company, XX/XX/2020 experian, XXXX XXXX
Product: Debt collection

I am in receipt of Common Wealth letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit card

I am XXXX of the family XXXX, a living soul, and a consumer. I am coming with a sound mind, competency, and I am at the age of majority. I am here on behalf of the principal XXXX XXXX XXXX to claim my interest to settle the " account ''. Please known that by the power and authority of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am a lender and not a borrower. I am making a legal complaint that the company Goldman Sachs Bank/Apple Card is furnishing information that is known to be false and misleading. The company knows that derogatory status of the " account '' is a billing error and the issue is still not resolved. At the inception of this transaction, an electronic funds transfer was made under an open end credit plan. Those credits were supposed to be transferred to set-off the outstanding balance of the credit plan each and every month. I notified the company about it and the company denied all claims. As a result, I am experiencing unfair treatment due to what the FDCPA defines as unfair practices, false and misleading representations, and several deceptive forms have been mailed to the principal 's address on file. I am seeking redress for the company to do what ought to be done by transferring the positive credits from my estate to the principal 's account for set-off and adjustment. It is only fair. Otherwise, notice will be made to the IRS, Social Security Administration, and State Attorney General to aid in this matter. It is my goal settle this matter as privately as I am not an enemy, but a friend to the company who desires and has the right to be heard and to receive fair treatment.
Product: Debt collection

I submitted a request through the consumer finance website concerning my issue on XXXX XXXX and it was submitted to the company on XXXX XXXX for review [ ( Case number : XXXX ) ]. They responded on XXXX XXXX stating that they would review my complaint and provide a solution within 45 days. We are now going into 90 days since my complaint was submitted and just short of 90 days since they responded stating that timeline and they are still having this second company attempt to collect a debt that I am refuting and have yet to provide me with any documentation proving otherwise. Yet, they are also still reporting negative marks on my credit and sending harassing messages on my phone as well. I would like this resolved as soon as possible. If I took 90 days to respond to them there would be negative consequences so I feel that they should be properly reprimanded for this lack of communication, professionalism, and most importantly attacking and harassing me without providing me any proof of the debt owed.
Product: Credit card

I received a notification from XXXX XXXX prompting me to upgrade my account. I followed their instructions and worked with an agent to update it. However, instead of the advertised price of {$95.00}, I was charged {$220.00}. I immediately requested a reversal of the charges, as I was not comfortable with this price. Unfortunately, the agent ended the chat and ceased responding to any of my subsequent emails or chat messages. 

To address the issue, I contacted XXXX before the charges were officially posted to my account and disputed the transaction. Despite providing XXXX with detailed, timestamped screenshots of the entire interaction as evidence, they have been largely unresponsive. Theyve informed me multiple times that they have received " new data '' from XXXX XXXX but have failed to share or update me on the nature of this data. 

Today, XX/XX/XXXX, was supposed to be the final day for XXXX to resolve the dispute, as outlined in their communication. However, when I followed up, they informed me that they still dont have a resolution and are now trying to extend the deadline further. 

The transaction occurred on XX/XX/XXXX, and the XXXX XXXX ID is XXXX. I am frustrated by the lack of transparency and the repeated delays in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One accounts It's been over 30 days and the creditor has not updated the information nor provided proof or documentation in regards to my late payments. They have not supplied this information and they must remove the late payments from my credit report. Per Federal Law, credit reporting companies must complete their investigation in 30 days. By failing to do so, they must delete the late payments from my credit report.
Product: Checking or savings account

I had XXXX deposited into my account from a dispute I submitted it was deposited into my account on XXXX/XXXXXXXX2021 then it was taken without any kind of notice on XX/XX/2021 which caused my account to spiral out of control. I called immediately and was told I couldn't dispute or appeal that decision from happening and was told by a supervisor she would not escalate this on her own terms not policy of wells fargo I missed timeline to appeal and was lied to on numerous other phone calls from the bank I have multiple other complaints as well in regaurds to this complaint and more as well
Product: Credit card

I believe the account is invalid. GM FINANCIAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
GM FINANCIAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS... THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 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 XXXXXXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding the sharing of bankruptcy information on my consumer report, which I believe is in violation of 12 U.S. Code 5229. 
Also, Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a inregards to specifically sharing the information of a Bankruptcy on my credit file. 
I am seeking your assistance in addressing this issue to ensure the protection of my privacy and rights under the law. I am seeking to have this item removed from my consumer report. 
XXXX XXXX Bankruptcy Case Number : XXXX DUE TO THIS ITEM REPORTING IN ERROR, I REQUEST REMOVAL XXXX XXXX  Bankruptcy Case Number : XXXX due to this account reporting in error please delete it
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit reports from XXXX, Equifax, and XXXX. Those credit reports contained inaccurate information on my credit reports. I have reached out to each credit bureau asking requesting them to show me proof that the information on my credit reports are accurate and each time, they have failed to do so. I am becoming very frustrated with the response of these bureaus as I have mailed them proof of my identity and address and each time they have corresponded with only copies of my credit reports. The following information is incorrect on my credit reports from each credit bureau : XXXX XXXX XXXX reporting a late payment of 30 days, I was never late XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXXXXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXXXXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof The following inquires I did not authorize XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX The inaccurate reporting on my credit profile are causing harm to me as a consumer. I have given XXXX, Equifax, and XXXX plenty of time to respond to me and show me proof of where these debts and inquiries have originated from and they have not given me any such information. My rights as a consumer have been violated and I have the rights to take legal actions against them.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) is U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also XXXX  the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies w/ federal law and provides consumers with the necessary proof of the investigation. XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance and speedy cash {$530.00} balance.
Product: Checking or savings account

XXXX received from : GreenState Credit Union dated XX/XX/23. 
Report # XXXX Spoke with XXXX, XXXX XXXX on XX/XX/23. Accounts were not opened.
Product: Debt collection

I paid all of my debts on XX/XX/2020 and sent receipts of my debt paid and as of today-the collection agency reported on my credit report that I haven't paid it.
Product: Checking or savings account

I went to close my account XX/XX/2019 upon this discovered my account was being fraudulently used with out my knowledge or consent, I reported this upon closing account they stated accounts closed we will be issuing you a check for remaining funds in account and a check for 1 year back of fraudulent charges which were actually 1 1/2 years but would only reimburse back 1 yr. The bank did not close my account for several months accruing maintenance charges also, I was not notified of this nor the denial of reported fraudulent charges which were for XXXX. I didnt even have an account with XXXX it was being used for a woman named XXXX XXXX XXXX to bank of America . I tried for a year to contact anyone at bAnk of America but was repeatedly given wrong numbers for contacts to fix this, I finally got sick of this and scheduled an appointment with a manager at Bank of America in XXXX nh which I was there for hours. The manager said he cant do anything or he would get fired but the bank was in the wrong but according to their policies the only way rectify this situation was for me to repay all of America the XXXX $ something they refunded me for fraudulent charges. Its not much money at all its the principal. My account was being fraudulently used I reported it and did everything I was suppose to, I was lied to by Bank of America saying my accounts were closed and never notified of this with me which In turn led to maintenance fees etc ultimately hurting my credit ability to obtain employment, housing, the ability to obtain a checking account at any bank I still can not get a bank account anywhere! I would greatly appreciate any help or advice I also have an Audio recording of meeting with bank manager and paperwork if you need me to provide any information please let me know and I will provide ASAP. I will only be submitting a few documents/ pictures please let me know if you need more, Thank you respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.