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

I RECENTLY REFINANCED MY HOME LOAN THAT I ONCE HAD WITH XXXX XXXX. AS WE WERE CLOSING, XXXX XXXX  FOR WHATEVER REASON SOLD MY MORTGAGE TO " FREEDOM MORTGAGE ''. MY PAYOFF CHECK GOT TO XXXX XXXX AND XXXX XXXX ACCEPTED THE PAYMENT AND CLOSED OUT THE ACCOUNT. ALL THIS HAPPENING WHILE FREEDOM MORTGAGE IS NOW TRYING TO COLLECT A MONTHLY PAYMENT FROM ME. THIS IS A COMPLETE ERROR BETWEEN XXXX XXXX AND FREEDOM MORTGAGE. I HAVE ATTACHED A COPY OF THE " CLOSING DISCLOSURE '' SHOWING PROOF THAT MY REFINANCE WENT THROUGH SUCCESSFULLY. FREEDOM MORTGAGE NEEDS TO BE DELETED FROM MY CREDIT ASAP! THIS IS A COMPLETE VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute submitted on XX/XX/2019 in regard to XXXX XXXX XXXX from the original creditor XXXX XXXX, was not resolved and did not fix the error reported to the credit bureau shown on my credit report.
Product: Credit reporting or other personal consumer reports

COMPLAINT AGAINST EXPERIAN AND XXXX, acct # XXXX The debt was sold to XXXX XXXX XXXX. sometime in XXXX. XXXX XXXX retained its attorney XXXX XXXX XXXX, XXXX, to pursue legal action against me in civil case XXXXXXXX XXXX XXXX umber XXXX. The balance was settled in the amount of {$410.00} on XX/XX/XXXX ( settlement letter attached ) This settlement amount was agreed to therefore there is no balance owing. Although XXXX sold this debt to XXXX XXXX, the debt remains to be reported on my Experian credit report which reflect {$710.00} written off although the debt was sold or referred to XXXX XXXX XXXX, a third-party debt collection agency, to collect the debt, which was paid as agreed to. 


Attached are documentation for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : $ XXXX
Product: Credit card

The company has called me 15 times in one day. Upon setting up a payment method I'm the site wasn't able to. The Fair Debt Collection Practices Act ( FDCPA ) limits how often a debt collector can call you, including how many times they can call in a day : Number of calls Debt collectors can't call you more than seven times in seven days, or within seven days of speaking with you about the debt. 
I'm being harassed.
Product: Credit reporting or other personal consumer reports

They illegally purchased my information without my consent. It violated The Privacy Act of 1974. They have been sharing my information illegally to other party without my consent. 15 USC 1681B, I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

* Letter and documentation attached to explain it all and most of the choices above did not match my case, but had to pick something. 
* Sent to collections for a charge i should not pay to replace carpeting in an apartment. Most stains from previous tenant and carpet would naturally get worse as we lived there. Carpet also near the end of its useful life ( 1 year left ) and old, already worn down. 
* Tried to work with Property Mgmt. company and showed them picture of large stains coming up 4 weeks after we moved in. 
* Trying to charge me over {$700.00} to replace. 
* Collection agency never validated debt I disputed ( within a few days of collecting bill ) and never responded. 
* Continue to harass and call me, threatening type verbiage, and violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Equifax several times regarding some accounts that are on my credit report that are not mine. They usually come back with the answer " Verified '' which makes no sense for these accounts belong to a different named individual. However my middle name and last are similar which XXXX be the mistake everyone is over looking. 

My name is XXXX XXXX XXXX, and these accounts that XXXX aware of at this time so far are under the name of a XXXX XXXX XXXX which is obviously not me, I have attached my XXXX Main Government Id 's which are my Social Security and Drivers License both with my Correct name on them. 

Please remove these accounts as soon as possible for it is hurting my consumer report and I am unable to move forward into a home with my family. 

XXXX ) XXXX Bank Account # XXXX XXXX ) XXXX XXXX Account # XXXX Also there seems to be a Fraud Statement on my credit report that I did not Authorize. Please remove that statement for I made no such statement. I will be going through more accounts to see if there are other errors. Meanwhile please remove the above accounts that do not belong to me. 

Thank You XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I mailed a registered security to XXXX XXXX trustee of XXXX XXXX XXXX  instructing them to credit the account with the registered security that I properly endorsed per 30 CFR 328.6, to sent security to the treasury for a marketable security and to transfer that marketable security to my treasury direct account that I specified in the instructionals that was sent, that they received on XX/XX/2023 ( tracking # XXXX ). I also instructed XXXX XXXX to credit my account accordingly every month while under this contract. The company never credited my account with the security and coupon that was issued to me. This notice is for past, present, and future securities and coupons while under this contract. If payment is refused, lost, or destroyed there is discharged per UCC 3.603-3.604. I never received a response. I had to find her email and email them and got a response saying " BNY Mellons role as a trustee or paying agent is in the context of certain investments owned by investors and not individual personal debt. BNY Mellon does not service or have authority to service any related debt. The servicer is the party who is required to service all related debt, which includes, among other things, responding to consumer concerns about such debt and any charges or associated fees. " On XX/XX/2023. They claim that this is a personal debt issue when really this is an investor issue. I signed the note and they securitzed it and I am owned interest on them doing this. On XX/XX/2023 I sent out a opportunity to cure saying for XXXX XXXX to please respond back in writing within XXXX business days. If instructions are not completed, I instruct XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties and to follow the directions of my 1st letter. They received on XX/XX/2023 and still have not gotten a response nor have they did anything I request in my 1st packet i sent to her.
Product: Money transfer, virtual currency, or money service

Paypal finally gave me a provisional credit I transferred the funds electronically to my XXXX Bank account on an immediate transfer and then since I am also having problems with XXXX bank and money disappearing I transferred it to my XXXX account as I am going to use them as my new bank. I did try to transfer the funds directly to my XXXX XXXX account and it was denied. 

A few days later it was saying ( I do have screen shots and screen videos ) that I had a XXXX deficient balance in my XXXX account. 

The whole time that the money was in XXXX XXXX it was saying that there was available balance and then a hold of 3k and it went down to 2k. 

I wrote a complaint about this just an hour before this one. 

Now XXXX XXXX has informed me that the funds did not come through and they just deleted the money from my account all together. 

This violates numerous laws and rules of banking.
Product: Credit card

I have disputes from the same hotel for the same amount. I disputed both transactions, but Capital One says that my XX/XX/ claim was filed too late because I only have 180 days. I will not receive a refund. I also received a letter that says Information we discovered leads us to believe you or another account user benefitted from the transactions. I have never been to XXXX XXXX XXXX! This is an undisputable fact! Im not sure what to do. The claim on XX/XX/ is still being investigated, but I have no confidence this will be resolved the right way at this point. If the investigation is done properly, they will see that the latest transaction is fraud too. 

Charges in question : XX/XX/ and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida {$640.00}, 2 separate charges
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX, XXXX and Experian on separate occasions most recently being XX/XX/XXXX. ( certified mail ) disputing falsely derogatory information furnished by these agencies without my written instructions. 

It was expressed to Experian, XXXX and XXXX that according to 15 USC 1681s-2. that I have a right to privacy ( under FCRA ). Furthermore, 15 USC 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


There are accounts with numerous late payments and reported charge offs and I have requested these statuses be updated/or the account be removed as 15 USC 1666 b states that a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

15 usc 1692c ( a ) Didnt give this company my information No contract stolen information 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit card

I made several purchases from XXXX last XXXX using my Discover Card. I then returned several items to XXXX. XXXX closed my account. I had more things to return before my account was closed. 

Several of the items I sent back to XXXX while my account was open. I provided delivery confirmation to Discover confirming the returns were received by XXXX. Discover refused the refunds I disputed and they found in XXXX favor even after providing proof of delivery. 

In addition to the above, I had several item I still wanted to return to XXXX which they refused after closing my account. Part of the purchase contract I had as an XXXX XXXX member was the ability to return things for free. XXXX violated that contract and Discover found in XXXX favor again. 

After Discover closed their investigation I notified them in writing in XXXX of this year that the charges that remained in my account were fraudulent for the reasons listed above. They still reported the delinquent account to my credit recording agencies and did not include information stating I was still disputing the charges. 

Discover falsely reported a delinquent account to the credit reporting agencies. 

Also, Discover made discourse denial decisions based on XXXX policies which is not impartial to me as the customer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for a private loan through XXXX 
To my Dismay I was sent an email that directed me to an adverse action letter you will find below. In the adverse action letter I was given a list of factors ( not deciding factors ) indicating why I was denied extension of my own credit. Not only were these factors illegitimate reason to deny me an extension of My own credit, they directly violate article 15 USC 1611 criminal liability for willful and knowing violation. XXXX or both of these companies ( XXXX ) and or ( XXXX XXXX XXXXXXXX XXXX XXXX did a hard pull resulting in a negative inquiry on my credit report resulting and a consumer credit transaction but, I was denied the extension of credit and given a list of non-designing factors yet I received no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my checking account on XX/XX/XXXX and XXXX XXXX XXXX XXXX is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. XXXX
Product: Credit reporting

This item came back as belonging to me. I paid off this credit card and its showing I owe a balance of {$180.00} and charge-off. I have attached my last statement where it show 's {$0.00} this account never went into a charge-off status. Please remove from my credit reports.
Product: Credit card or prepaid card

We purchased a washer with the Lowes credit card ( total amount {$860.00} ), and it was broken upon delivery on XX/XX/2021. We sent it back, and the order was marked as returned in Lowes system. Lowes called us and told us that we had to place another order to get the washer. The store then tried to place an order for us by asking us for our Lowes card information, but we said we would place a new order ourselves ( they then refunded the money for this 2nd order they placed without our final permission - this amount was {$830.00} ). We bought another washer that was successfully delivered on XX/XX/2021 ( total amount : {$820.00} ). Lowes didnt refund us for the original order ( {$860.00} ), and we filed a dispute with Synchrony which was accepted to be process. On XX/XX/2021, we got a letter stating that Synchrony has adjusted our account for the disputed amount, but they never applied this credit to our account. Please see the attached statement as of XX/XX/2021. I tried contacting Synchrony again but didnt get an answer. This has been a very frustrating experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX and Transunion continues to violate my rights. 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account XXXX : XXXX XXXX XXXX. I ( Account XXXX : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that are reporting late payments inaccurately. I have contacted the company associated with this account, and they have confirmed that the late payments was errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate this account promptly and make the necessary corrections. 

Below is the account in question : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX ....
Product: Credit card

XXXX XXXX, My name is XXXX XXXX XXXX and I am a wartime veterans and I suffer with XXXX and XXXX and I exposed to XXXX XXXX XXXX XXXX while severing this XXXX XXXX. In the XXXX XXXX and I started getting very sick, I am sorry and I was unable to care for myself and I have explain this time and time again, My body is not the Young Man it use to be and My family took advantage of me and my money, I just happy to still be here and I would greatly appericated if this company would remove this XXXX XXXX from My Credit Report Thank you. 

CitiCards CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

goldman sachs bank allowed unauthorized transfers out of my account. XX/XX/XXXX {$9000.00} out on XX/XX/XXXX XXXX into account and XX/XX/XXXX {$9300.00} out. There was a pending transfer of {$700000.00} on XX/XX/XXXX I cancelled before transfer was made I reported the theft of funds to goldman sachs on XX/XX/XXXX.and they did nothing to secure my account on that date.The attempted {$70000.00} transfer was made 4 days after my complaint. The security for the account was set up by a sixth grader. If some has your email address all the need to do is go to the online account login which asks for your email address as your username. Type in your email address and it asks if you want to change your password Check reset password and they send a temporary password to your email address Now you log in with the password they gave you and you can now do whatever they want with your money. They have been looking into this for 20 days now I have called numerous times and have gotten 20 apologies but no money Please help me get my money back I am XXXX years old and living on social security
Product: Credit card or prepaid card

I got  Macy 's  store card in  XXXX  and made purchases on  XXXX   XXXX  and  XXXX . The credit card arrived late and I could n't make the payment. However, after lot of struggle, I was able to reach th e Macy 's   customer service personal who activated the card for me and then made the payment. This was on  XXXX   XXXX . I asked to pay all the bills in the account.     To my amazement  , i got another bill for  XXXX  and I tried several times but I could n't add my card. I reached out to Macy 's customer service via  XXXX  who promised me that someone will call and reach out to me but that never happened. When I tried calling their customer service, I was asked to create paybyphone account.
Now that I have crossed the deadline, I am getting charged late fee and it will hurt my credit score. I do n't need Macy 's credit card and all i want is to pay the fees and get done with it.
The coat I bought from Macy 's still has the security pin in it. When I reached out to them, they have said no for return. As I am traveling and in  XXXX  now for school, I am unable to go to my local store to get the pin removed. I do n't know if the actions are intentional because I am   XXXX   XXXX   or not. I have spent hours trying to resolve this issue.