23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email that I was charged for an amount from a checking account with an enclosed invoice. So I called the number provided in the invoice., complained and was told that I will be refunded the money. I was told to login to the bank where the money is going to be refunded. I did and there's some waiting. Finally, a XXXX was transferred to the account. Because the amount is supposed to be XXXX, te person I> spoke too demanded a refund for the rest of the money. He gave me an address to refund the money using wire transfer which I did. However, when I check my email and found that XXXX was transferred from my savings to my business checking account. At XXXX, I called the bank and told them that someone was able to get in my account ( secured ) and transferred the funds without my approval. The bank froze my online account and reestablished with new credentials, I was told to go to the bank the following day talked to a banker and replaced my business account with a new account number. See enclosed all documents
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, Equifax, and XXXX repeatedly reinserting previously deleted inaccurate or fraudulent accounts and inquiries into my credit report. Despite providing evidence, including FTC Identity Theft Affidavits and supporting documentation, these credit reporting agencies have continually failed to prevent the reappearance of erroneous information. Below are specific examples detailing the timeline of these issues : XXXX : XXXX XXXX XXXX  Account Deleted : XX/XX/XXXXXXXX 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 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 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 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 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 or other personal consumer reports

I am writing to delete XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4600.00} XXXX  XXXX XXXX {$9000.00} XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( carrington Mortgage ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask Carrington Mortgage to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to Carrington Mortgage I had 43 on time payments with XXXX before I refinance to Carrington and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. 

I attached the letter I send Carrington Mortgage along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to Carrington.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is INCORRECTLY damaging my score. In at least the past 90 days Ive had 3 collection accounts REMOVED from my file, paid every bill on time and paid down my credit cards. My CC debt is very low ( less than {$1000.00} XXXX yet my scored has dropped from. A XXXX to a XXXX. My score should be XXXX not XXXX. My score at this point should be at lest a XXXX. In addition for OVER 6 months ( Even before COVID ) now the Experian online dispute tool has been XXXX. This should be fixed.
Product: Debt collection

This company is reporting I owe them XXXX dollars, which is a lie. I moved out of these apartments with good standards, and they kept my XXXX dollar deposit. I put in a XXXX notice to let them know I would be moving out on XX/XX/2020, when my lease will be up. I left the apartment in good shape. I also contacted the collection agency to ask about the collection they told me I owe them I must pay them. Are they going to take me to court don't remember me having a contract with this company. I also asked them to provide information stating that I owe them money and have never gotten anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have noticed a discrepancy on my Equifax Credit File. I had a student loan with the " Department of Education '' that I paid off in full in XXXX of XXXX. However on my Equifax credit file this creditor is reporting Paid/Closed but with 6 charge offs, 7 lates and a past due balance of {$1400.00} which is incorrect. The account number in reference on my Equifax report is # XXXX. 

This account should be reporting as paid in full and closed, with no charge offs or late 's due to the fact that the late payments noted are XX/XX/XXXX to XXXX of XXXX which is definitely incorrect. The Creditor was paid in full of XXXX of XXXX with no balance left whatsoever so for this creditor and Equifax to be reporting 7 late 's and 6 charge offs after is mind boggling to me, especially when the report itself shows my balance as {$0.00}. I need this information updated correctly within 30 days under the FCRA guidelines and regulations of all reporting agencies and creditors must report accurate and correct information. 


Thank you, XXXX
Product: Credit reporting or other personal consumer reports

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory XXXX XXXX COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards.

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX has responded on XX/XX/XXXX complaint # XXXX. Company has advised validation of debt letter has been sent on XX/XX/XXXX. I have never received this letter therefore I do not consent or agree to the assumption of this debt being owed by myself. I dispute all parts of this debt as your company has never provided information by usps mail neither now or have I received anything on XX/XX/XXXX. As advised I have verbally through dispute advised XXXXXXXX XXXX XXXX is in violation as it has been provided that this account is in litigation. As your company will be able also responsible for not acknowledging this guideline per the FDCPA. I advise all parts of this alleged debt be removed as you have not provided proof or provided written validation of this debt pursuant to the FDCPA on debt validation. Failure to continue to furnish my consumer report all violations shall be brought up in a lawsuit with the company. Equifax has not fixed the error of this reporting to the consumer report. As advised to Equifax the company XXXXXXXX XXXX XXXX has my information illegally and without my consent. An FTC report has been filed for XXXXXXXX XXXX XXXXXXXX attempts to collect on a debt that is not owed
Product: Payday loan, title loan, personal loan, or advance loan

They are calling people and telling telling them that I put them down as a reference and for them to tell me to contact them, but they are calling anybody and everybody they can find associated with me that I did NOT write down as contacts. I have voicemails from the people and the latest one is today on XX/XX/2024 but I have proof of occurrences counting in the double digits of them contacting people that I never spoke of, or gave them permission to contact.
Product: Checking or savings account

The only notifications Ive received in the past month about my account with Chase is that theyve gone through my claims individually and have sent me confirmation that they were claimed correctly and the credit given would be permanent. I have received another email from chase executive office on XXXX giving me a case number but I have yet to hear anything after that and they havent responded or answer questions on the phone. This company refuses to treat their customers with any common decency and continue to put my calls on hold and transfer me with no notice and force me to hang up after hours wasted waiting for another agent to answer after being transferred. I just want to know whats going on with my account, when can we close the account, and regain access to the money in the account that was deposited after they restricted/closed my account.
Product: Credit card or prepaid card

I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a credit card. 3 years ago, I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. The Inquiry is inaccurate, misleading, or incomplete, may have violated federal law.. I do not know how this company receive my info.
Product: Credit reporting or other personal consumer reports

The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name 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

On XX/XX/2019, I received a SPECIAL OFFER letter from Conn 's Home Plus : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from Conn 's I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If Conn 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If Conns would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, Conn 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

Conn 's has been removed from my XXXX  credit file but the results from my dispute with XXXX and XXXX have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that Conn 's has voluntary reported to different sources IS CONTRADICTING. 

Conn 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Product: Credit reporting or other personal consumer reports

I was victim of identity theft and never got the chance to resolve the problem
Product: Mortgage

We set up homeowner 's insurance through USAA on our new home in XX/XX/XXXX via phone with a representative. After calling back multiple times, speaking with multiple representatives due to the premium seeming high, we finally set it up because we trusted USAA. USAA appointed an inspector to come out and look at the house in XX/XX/XXXX to ensure we had the appropriate coverages. We were never notified of the outcome of the inspection. Fast forward to XX/XX/XXXX, upon refinancing our home, it was brought to our attention our insurance premium seemed very high. We went to another insurance agency for a quote, with the same coverages, and were quoted a significantly lower rate -- - because the dwelling coverage on our USAA policy was literally double what it needed to be. When I called USAA to cancel our policy, the representative informed me of the same- that our dwelling coverage was way too high, and that she could get us a lower rate than what we'd been paying. She also informed us a letter had been sent out informing us that our dwelling coverage should have been lower per the USAA appointed inspection report and that this letter was emailed to us on XX/XX/XXXX. I looked through all of our emails and documents on USAA.COM, but this letter she spoke of was absolutely nowhere to be found. Therefore, I requested a refund for what we had been overpaying for 15 months, as we were never notified or provided the opportunity to lower our coverage based upon the inspector recommendation/findings. The representative stated she would forward the request to her manager and get back to me the next day. Unfortunately, the representative got back to me and essentially stated that we would not be receiving a refund because it was our fault the premium was made too high in the first place and maintained that the letter was sent out to my husband 's email, even though there is no record of this letter anywhere else. We were never informed of the findings of the USAA appointed inspection and therefore it was unbeknown to us that we even had an option to lower our premium. After being USAA members for 11+ years, we have never experienced anything like this from USAA- it is so disappointing. The lack of integrity, unwillingness, and unreasonability has heavily tainted our views of USAA and we intend to take our business elsewhere.
Product: Mortgage

My wife and I have tried to refinance our current mortgage with Roundpoint Mortgage. We have now hit the 4 month mark and they still have not finalized the refinance. I have talked to multiple people and just receive double talk and a promise of a returned call or email but never receive one. We have been prompt in providing Roundpoint with information they request from us but they take weeks at a time before moving on to the next step. I continue to call and ask what is going on but never receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.
Product: Debt collection

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Product: Credit reporting or other personal consumer reports

I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. I have no recollection or knowledge of authorizing hard inquiries by these companies. Upon reviewing my credit report, I noticed these unauthorized inquiries : -- TRANSUNION -- 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 or other personal consumer reports

I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XX/XX/2023 ( attached ) and have yet to hear back from Equifax as of XX/XX/XXXX via mail or any other form of communication with the status of the dispute and updated report. I have sent out ANOTHER letter with proof of identity AGAIN stating that Equifax is going into a 30 day noncompliance by law by not responding and is reporting inaccurate information.
Product: Checking or savings account

I am currently being charged twice on a dispute I made in XXXX. It is now XXXX. The Dispute was reversed before it was resolved, and I went to dispute it again. A provisional credit was added to my account after the first credit was reversed back to the bank. Now the bank is trying to take two credits of {$630.00} when the first credit had already been reveresed back to the bank. You have already taken {$630.00} from my account on XX/XX/XXXX, and the second charge is supposed to come out on XX/XX/XXXX for a total of over {$1200.00}. This needs to be fixed. 

Lastly, I faxed all documents of proof to XXXX. I also received a letter stating payment would be taken XX/XX/XXXX, but I did not receive a letter stating payment would be taken XX/XX/XXXX. 

Once again, at most I owe {$630.00} which was already paid to the bank, while I am appealing this decision.