23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617.
Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Product: Mortgage

Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I sent an international money transfer of {$260.00} through Moneygram at a XXXX location. On XX/XX/19 the receiver my stepmom went to pick up the transfer and was told it was returned. I contacted moneygram and discussed in details the receiver and the reason for sending and was told that there is nothing they can do as it was returned at random based on their financial policies. I asked for the matter to be escalated as the money is for medical expenses for my father but the agent refused and said there is no other point of contact or nothing else they can do.
Product: Credit card or prepaid card

About two years ago out of the clear blue sky Capital One arbitrarily decided to decrease my credit card limit from XXXX to XXXX, they said that I was not using the larger credit limit. I pay off all of my bills every single month. Since they would not listen to reason I put the card in my safety box and began to use my other card to see if I could get their attention. On XX/XX/XXXX I received a letter from them stating that since I was not using their card they were going to cancel my account due to inactivity on XX/XX/XXXX ; again no notice just an arbitrary corporate decision. If they had simply reached out to discuss I would have used the card on some token repeating bill. What really irritates me is that I have worked hard for over 40 years to establish a solid credit rating which is now XXXX ; when these clowns eliminate my card my credit rating will take an undeserved ding. I have been an account holder with these clowns for over 20 years and the way that they have treated me is reprehensible. Capital One should be censured and fined for abusive business practices. Thank you for your attention to this matter.
Product: Debt collection

I do not have a contract with this company. They are trying to collect a debt that I do not owe them. I tried to dispute this through  XXXX .  XXXX  says the company says I owed this company {$2700.00} and  1st d elinquency was on  XXXX /2013. I 've never even heard of this company and I have no contract with them. This just popped up on my credit report within the la st 30days. It re ally brought my score down. Please help me. This is their info :  Convergent Outsourcing Inc,   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX
Product: Consumer Loan

The creditor is checking my credit reports without my consent. I contacted them once before and they stated to me that they check credit reported for skip tracing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report, requested on XXXX, shows a XXXX  XXXX XXXX account opened in XX/XX/XXXXthat does not belong to me and that I am not an authorized user on. I believe this account belongs to my father, as it appears similar to an account I know he has, and it is mistakenly associated with my report. I would like this account removed from all future credit reports of mine.
Product: Credit reporting or other personal consumer reports

I checked my credit reports ( XXXX, and Transunion ) and saw a XXXXXXXX XXXX XXXX account past due in the amount of {$720.00} that I did not authorize opening or adding in my name. I contacted the XXXX multiple times in writing, letting them know that I was the victim of identity theft and I did not request this account and to remove this account, but they refused to even investigate the matter, stating, " My letters sounded like it was coming from a credit repair company. ''
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate . And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Back on XX/XX/XXXX I received a letter from Hunter Warfield about a debt that was not owed by me. I advised them that my daughter rented an apartment and put me on as a cosigner. I told them before that this was not authorized. They continued to harass me until I asked them to validate the debt. They never sent the validation so the ended up having the debt deleted from my credit. NowXX/XX/XXXX they call me again and ask me to send proof that it not my debt but ask me to fax the info.i was at work so I didnt have with me but intended to send them the actual rent contract that they sent the week prior without my signature not anywhere on the agreement. Then XX/XX/XXXX they have this collection on my credit file. I want this removed and feel that they did not handle this properly and I want it fixed so that they cant do this again. This is my second complaint for this same situation.it was also reported to XXXX in XXXX Fl
Product: Mortgage

I have spoke to Wells Fargo several times regarding the escrow account they have for me. My first mortgage pays my escrow acct and they will not remove the escrow from my account and I received another bill today saying my mortgage will be increased due to the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$21000.00}
Product: Debt collection

This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ). 
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt. 

I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.
Product: Vehicle loan or lease

The car was repossessed from hospital when i was there. The payments were being made and VW receiving payments but it was a lease that had terminated but the payments were being accepted by them without informing me they wanted a payoff as i wanted to keep the vehicle. Their service is bad and we called Several times but after an hour wait on the phone we needed to hang up
Product: Credit reporting or other personal consumer reports

I communicated with the company of issues of making payment of mortgage also placed the mortgage under forbearance to stop and unauthorized reporting on my credit.

I also paid my mortgage up to date once paid i became aware of late payments being applied I requested removal of these inconveniences but to no avail.
Product: Checking or savings account

XX/XX/XXXX, the amount of my check was XXXX at the Bank of America bank. I was being discriminated by another race and she wouldnt cash my check for me because she said she cant cash this check at this bank because its with another bank which it wasnt. Its a Bank of America check. She just didnt want to take it and give me my money and also I went to another Bank of America XXXX which they cashed my check just fine for me and I had talked to a guy at a different branch that was 10 minutes away from the other one and he pulled me to the side because he heard my conversation with the teller and we talked about it, and I talked to the manager same day she gave me a phone call & I explained everything & how I was being treated. I explained to her what happened. The lady either thought my check was either fake and she just didnt want to give me the money and she also was being very unfriendly with me but yet she was friendly to the other races that were there & gave them theyre money but not mines. She also told me I couldnt cash my check because of the amount which made no sense at all she just didnt want to help. I have a account with Bank of America also. She also got my number wrong twice when I had to yell my number to her again to look me up in the system. She also gave me another option to deposit my check into the account which will take 2 days to post which I did not want that. I wanted the money in my hand, she still didnt want to help me so I had to drive 10 minutes away to another bank to cash my check and it was successful, but I am reporting this because its emotional towards me and I dont treat other people that way the way that I was treated was not OK. I will & I want to take this matter further.
Product: Mortgage

After falling for a loan modification scam and paying a company called XXXX XXXX, we have been working with a HUD housing counselor to try to prevent our foreclosure and get back on track with our mortgage. We have been trying to submit a loss mitigation packet with Freedom Mortgage and have been getting the run around. We submitted an application and documents on XX/XX/XXXX. When our counselor followed up on XX/XX/XXXX, she was given a list of additional documetns and was told by Freedom Mortgage that we did not sign the financial report, a form designed by Freedom Mortgage which does not have a borrower signature line or page. When our counselor called back, the representative from Freedom Mortgage told our counselor that there is not a signature page and that we should sign the bottom of every page of the application. We submitted all of the additional documents on XX/XX/XXXX. When our counselor followed up again, she was given a different list of requested documents. They are now requesting new paystubs, which they did not request on XX/XX/XXXX, even though they had it noted in their system at that time. They also now would like a signed financial report and stated that they accidentally mislabeled the signature line as the contributor signature and that we should have known somehow to sign that even though we are both borrowers and not contributors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Chime took my money and closed down my credit builder account. I had XXXX some dollars. 
Date XXXX  XX/XX/year>. I called chime they told me they took it because I have to pay for them to build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry XX/XX/2023
Product: Payday loan, title loan, or personal loan

A {$5000.00} alleged loan issued by ONEMAIN FINANCIAL with the title of an automobile being used for what was believed to be collateral showed a balance of {$10000.00} and some cents at one point. Three different Insurances were also included and when a claim due to unemployment was denied is when the other two were brought to notice. The unemployment insurance was explained to be included in case of such misfortune which is what happened but the insurance denied because XXXX contractors aren't covered which was not disclosed which is deceptive. Also not to mention the other two unknown insurances. Once they were canceled. The balance then showed {$7700.00} with a past due payment of {$210.00}. I do agree that one should pay back what they owe if the agreement was fully disclosed, there was equal consideration, the terms and conditions were lawful, and The contract/agreement has a wet ink signature from both parties. I do agree to pay any financial obligation which I might lawfully owe on the condition of the below requested resolution. Without Prejudice.
Product: Credit reporting or other personal consumer reports

I sent multiple disputes through XXXX XXXX, Equifax, and XXXX to have the original creditor send proof of ownership of the account. I also stated to have the account removed from my credit report until they could prove ownership and to remove the account because they did not have my consent to add it to my credit report in a negative manner.
Product: Credit reporting or other personal consumer reports

I have been trying for over a week to log into my Transunion account. I get to the part where a verification code is to be send either by email or text messaging. I NEVER receive a code by either method. I keep trying and nothing happens. One time I talked with a person who said I needed to change my password and he was going to send me a new link by email. That email NEVER came through. He had the correct address. I kept checking my spam and it never showed up there. I would like this fixed. It stopped me from having a possible lower interest loan.
Product: Credit reporting or other personal consumer reports

Experian XX/XX/2024 DEPT ED XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} There's is no original contract or no original ink signature. 

XXXX {$8400.00} Theres no contact info available for this creditor.
Product: Debt collection

I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. 

On XX/XX/year> I sent XXXX XXXX XXXX XXXXXXXX, doing business as " Mercury '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. 

Mercury did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. 

Mercury did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. 

Due to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.
Product: Mortgage

While in the process of Refinancing, the payments were on automatic payment transferring from the previous way my mortgage was paid. It was to resume payments from my ACH payment account and set up. JPMChase was on auto pay. Somehow the first payment did not take but the rest did. I am never late on paying my mortgage or any bills. They are all set to pay out at least 3 to 10 days prior to due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Emerald AR Systems I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement with a XXXX dollar balance. I sent a secondary letter requesting this information be deleted in XX/XX/XXXX and have not received a response in regards to this.
Product: Debt collection

We had XXXX auto insurance and cancelled our policy due to the insurance company not sending proof of insurance to our car loan company. We weren't impressed so we cancelled. We don't owe anything to them.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge about this, and the company did it without my authorization.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.