23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I ordered a product online in XXXX of XXXX and the package arrived in XXXX of XXXX. Then the website asked for a payment type, I entered in my card from US Bank but the website took me off and never confirmed then transaction, I tried to go back on the website but it wouldn't let me back in nor to see. Then I thought that the order wasn't placed due to the fact that it wouldn't allow me back on the website. In XXXX I received my package so I paid US Bank {$130.00} for the package. In XXXX I get the same exact package and paid US Bank again, but I returned the package and called US Bank to stop paying for the product because I had already returned it and I only ordered one. In XXXX US Bank sends me another bill for {$130.00} even though I didn't order another package and thought they had already canceled the payments like I asked them to. In XXXX the same package comes in again from the same company and US Bank paid for the package even though I told them to cancel the payments. So I called US Bank again to ask why would they continue paying for the packages and told them again to cancel the payments. In XXXX I got another package and US Bank did the same thing again and I got frustrated because the payments were being done even though they were supposed to be canceled and I kept returning the products. I called US Bank they suggested to call the company that I bought the products off of and they wouldn't answer the phone or even give a call back. I call US Bank again to ask why. the payments were still being made and the employee suggested to change my card number so we did. To make a complaint for the two payments being made I sent a letter to US Bank so my error was to not make copies of the complaint. According to the company they never received the packages and US Bank never received my letter but they received my money perfectly fine. Since XXXX I've been constantly calling US Bank to fix the XXXX payments being made and US Bank has done nothing about it. The only thing US Bank did was mess up my credit and closed my account. In XX/XX/XXXX. XXXX I paid them {$260.00}. I didn't pay them for the payments they've been after telling them many times to cancel the payments. I hope you guys can at least help me in something.
Product: Credit card or prepaid card

Everytime I call I'm automatically directed to Fraud Department or Fraud Prevention. I have a prepaid card that was ordered on XXXX I never got the card I called to have a second card expedited it never came and a tracking number is not provided now these people want to order a new card and says now I need to send photo ID no one ever gave me instructions on how to send
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these XXXX bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX  XXXX  {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately
Product: Student loan

XX/XX/2016 {$1900.00} different higher loan amount from original agreement
Product: Debt collection

REFERENCE TO PREVIOUS REPORT # XXXX - EQUIFAX DID NOT FOLLOW THE LAW AND DID NOT PERFORM A THOROUGH INVESTIGATION. XXXX XXXX WAS NOTIFIED BY ME IN WRITING ( DOCUMENT ALREADY PROVIDED AS PROOF ), A REP FROM XXXX, WITHOUT MY AUTHORIZATION, CHANGED MY ACCOUNT DETAILS, RESULTING IN A LARGE CHARGE, CONSISTS OF FEES THAT WERE NOT DISCLOSED AND PLACING ME ON A PLAN I DID NOT AUTHORIZE. XXXX HAS RECORDINGS OF ALL MY CONVERSATIONS, INCLUDING A COUPLE WHERE YOU CAN HEAR ME ACCUSE XXXX. THE REP AT XXXX I HAVE BEEN COMMUNICATING WITH CLEARLY IS INVOLVED IN A COVER-UP. XXXX, MISLEAD ME AND CAUSED CHARGES THAT RESULTED IN XXXX OF DOLLARS. I AM SURE THERE ARE MANY CUSTOMERS WHO HAVE EXPERIENCES THE " SCAM ''. 

WHERE IS CFPD? I THOUGHT YOU ASSIST WITH COMPLAINTS LIKE THIS.
Product: Credit reporting or other personal consumer reports

I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.
Product: Vehicle loan or lease

I received my first notification of my loan payment confirmation via email from CarMax XXXX today XX/XX/year>. In this email they sent, it contained my full bank routing number and my account number. I have called several times and they claim they can't remove the routing number from the emails which I believe is a violation of my privacy rights. Anyone who is capable of hacking emails can have access to my bank account by disclosing my personal information. This is very irresponsible on the part of CarMax XXXX. No one can give me an answer as to why it can't be removed from future emails from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. Code 1681b Permissible purposes of consumer reports XXXXXXXX XXXX XXXX  Account XXXX This account is inaccurate and i'm seeking litigation Please delete at once By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

This bureau continues to publish information that is not mine on my credit file after I have disputed the information several time and asked them to remove the information. The bureau uses these variations of my name and different addresses to verify accounts that are fraudulently on my credit report.
Product: Debt collection

Violation # 1 XXXX pm received call from an XXXX from Alliance one... she asked my name and did not do a 2nd verification..gave me no mini XXXX and began telling me my amt of 2145.56..advised rep of the violation and asked to speak with supervisor ... an XXXX was put on phne stated she supervisor. Than demanded me to verify who I am.. advised first rep didn't do that ... .then she stated to me that calling out they don't need a second verification of identity. 
Asked me doni want calls to stop ... ( tactic to let amt grow with no resolution to the problem ) I advised NO... I wan na file a complaint and dispute these charges... said it 3 times before hung up... they stated ok... ( call time XXXX and XXXX ) Violation # 2 Received another call XXXX from an XXXX ( rep ) did verify but stated that there no notes in system from XXXX me disputing or making complaint.. ( 3rd violation of rights ) Asked speak with manager XXXX... stated she see no notes either ... I advised her its illegal to call after someone dispute or complaint... she said she need listen to calls... 
BROKE FDCPA VERY UNACCEPTABLE... 
I'm losing hours of work to deal with this clearly HARASSMENT!! A
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$8600.00} ; XXXX  XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$89.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 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/2023 XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated 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 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

am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX  - {$1100.00} XXXX XXXX  - {$2000.00} XXXX XXXX- {$2100.00} XXXX XXXX - {$1000.00} Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting.
Product: Debt collection

Since the shelter in place was ordered in Illinois, portfolio recovery XXXX has called my phone 3x A DAY. I shamed one operator for telling me I should borrow money from my mom, who is elderly and especially during a pandemic. I realize this is a debit to be collected on. However, the next phone call was 2 hours later. I told the next operator the same thing. I told her not to call my phone until AFTER everyone could return to work, that my husband is an essential worker and she is not going to get to speak with him. Now that call my phone just about every 3 hours. How to I know its them? After I hit the ignore button I call the number back. When I ask whose calling they either hang up or say theyll call back later. And they do. They clone XXXX numbers and then later call back on a spam line. I told an operator TODAY ( XX/XX/21 ) that their office has been sent a cease and desist. That someone should check their mail. Theyve told me well if you dont pay your bill your going to jail, and you have kids you dont want to be arrested in front of them do you? This is XXXX  XXXX, I paid on that bill for 18 months before they called me and said I was in breach of payment which we never were ( I have the bank statements ) .yes a debit is owed, but this is harassment. During pandemic its illegal. We were in the process of hiring a lawyer to sue portfolio recovery before covid19. Please help.
Product: Mortgage

First, South State Bank paid my property taxes in XX/XX/XXXX even though I don't escrow so it made it difficult for me to make my payment to the county. Then they added an escrow amount to my bills starting XX/XX/XXXX2020 but I don't owe them for taxes and insurance, I paid those directly. I called them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX after I kept seeing this charge on my Statements and it's not getting fixed. I got a call from Collections on XX/XX/XXXX and I told them, another customer service agent and a Supervisor I don't escrow, I don't owe them any money and I want my credit ( history ) fixed. They also assessed me Late Charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian issue with Fraudulent Scoring : From XXXX to XX/XX/XXXX, my credit score went from XXXX down to XXXX for NO REASON. It decreased 3 times. Haven't been late, paid off all credit cards etc .... 

I called them to see what was going on. The rep attempted to share what might be going on, which didn't make any since. There has been no negative activity on my account. 

Please contact Experian Credit Reporting Agency!!!!
Product: Credit reporting or other personal consumer reports

Experian refuses to remove inaccurate credit from my report like the other two credit bureaus have. The Experian report # is, XXXX for XX/XX/XXXX  as of the last letter they sent me. This is making me unable to move on selling my current house & buying another house as well as my credit score is severally effected. They must remove this immediately especially since the other two have acted in a timely manner already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.
Product: Credit reporting or other personal consumer reports

Please help me about this inaccurate accounts that is being reported by these companies. Please double check everything thank you so much.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the inaccurate information on my credit report, which I discussed with Experian on XX/XX/XXXX. To date, I have not received any response from Experian regarding this matter. I would like to provide you with the details of the inaccurate information and the necessary corrections : Account not belonging to me : Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 

Also, it is fraud for credit bureaus to furnish a consumer 's credit report without a written request from the consumer. I haven't given anyone a written request to furnish my accounts. Credit bureaus must also investigate disputed information and correct or delete inaccurate information.
Product: Credit reporting or other personal consumer reports

Last 4 of SSN : XXXX RE : Account Number To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report.

1. DEPT OF EDUCATIONXXXX XXXX XXXX paid/closed ACCOUNTS NEED TO BE REMOVED. THESE ACCOUNTS ARE OUTDATED AND WAS CONSOLIDATED TO ONE LOAN YEARS AGO! This inaccurate information is erroneously affecting my credit report and hindering my credit due to outdated information and incorrect information on my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XXXX! 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.
Product: Mortgage

Mortgage Carrier : Mr. Cooper Loan NumberXXXX Issue : This complaint is borne from a mortgage transfer between the failing XXXX XXXX to Mr. Cooper. 
XXXX 's payment of {$430000.00} was paid to XXXX XXXX XX/XX/XXXX and XXXX. Two bank accounts were utilized from the onset of the mortgage repayment. Both Bank Accounts, " XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, '' completed the debited amounts to XXXXXXXX XXXX 
-Alleged transfer of loan from XXXX to Mr. Cooper was scheduled on XX/XX/XXXX, individual access to Mr. Cooper site scheduled for XX/XX/XXXX ( 2025 ). 
-Mr. Cooper shows XXXX payment outstanding, and the site shows late fee/penalties accumulating. 
-Several chats and actual discussions with a " live '' Customer Service Rep ( weeks ago ). Stating XXXX payment to XXXX was sent to principal, and XXXX payment is still outstanding. I also sent them copies of the bank transaction showing transferred monies to XXXX. 
-I explained this is unauthorized and fraudulent, and it amounts to a misapplied {$4300.00} that is showing a default and accumulation of late fees. The destination of the money was never authorized to go to the principal and potentially create a deficit in my payment agreement, accumulation of fees, or my credit compromised. 
-I have now paid XXXX 's payment in full on XX/XX/XXXX, and Mr. Cooper shows I still owe {$4300.00} for XX/XX/year> ( due XX/XX/year> ). 
- I want this corrected asap. I want the potential interest Mr. Cooper accumulated by using/holding my money that was misapplied due to their incompetence or deliberate fraud, I want the loan amount corrected and my loan brought to current status in good standing. Further, should not have to file a complaint ( which is what their moronic representatives told me to do ), nor have to correct my account solely based on their incompetence and deliberate unauthorized eventual fraud to my credit report. 

XXXX XXXX XXXX
Product: Debt collection

I have received two letters now, addressed to my daughter who is a minor, stating that she owes {$2500.00} in what appears to be back rent in another town that we have never lived in. My XXXX XXXX XXXX XXXX was born at the current address we live..in a mobile home that we own and has lived here since birth. The supposed back rent is from I assume an apartment complex approx XXXX minutes from where we live. The debt collector is FCO ( Fair Collections & Outsourcing ). This is obviously a case of mistaken identify or fraud. I have read on the XXXX site that this company will threaten to report fraudulent debts to peoples credit reports in an attempt to collect money from them. I have not attempted to contact this company yet because Im afraid that they will then get my information and attempt to report this debt on my credit report since my daughters is a minor.
Product: Credit card

Synchrony closed my account for unusual payments. I made two payments of the same amount. Then they closed my account and will not restore it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.