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

In XXXX of XXXX, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX Credit Reporting Agency, XXXX  Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

Synchrony Bank not processing my payoff payment for a QVC credit card. payment was due XX/XX/XXXX. paid the balance off using a new checking account and then when it was rejected I used the savings account. Both rejected. Routing number and account numbers were correct. First paid on XXXX then paid on XXXX, then again on XX/XX/XXXX. all were rejected. there is more than enough money in my account to cover this. When I contacted my credit union they told me no payment had ever been submitted, because if it had they could tell me what went wrong. I called synchrony on XX/XX/XXXX wanting to pay with a different bank, but because the balance said XXXX they wouldn't let me do it. So, now they have imposed a XXXX dollars late fee on the account. I have a message from my credit union telling me no payment had been submitted. These are very poor business practices. Now it will be a ding on my credit report and I didnt do anything wrong. I do not owe a late fee. I have reported them to the FTC and will also report to the XXXX XXXX XXXX. Ps this account was never delinquent, payments were always made now they close the account because I opened a HELOC to pay off all my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

I received a debt collection letter from Transworld Systems Inc. for an alleged debt that I do not owe. I called Transworld Systems and their customer service agents were rude, hostile, and deceitful in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Transworld Systems , Inc. I do not owe them any money. Transworld Systems Inc. has flagrantly violated the Fair Debt Collections Practices Act.
Product: Credit reporting

Describe what happened so we can understand the issue ... 

I order my early warnings consumer report after being denied a checking account with wellsfargo. 
i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. 
it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. 

this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately. 

XXXX
Product: Debt collection

On XX/XX/2020, I received an alert from my credit report that I owe an amount to a company called The Bureaus. I have tried to locate a number for this company as it is 3 different addresses listed on my reports. As I do further research, on the attorney general website of Florida, The Bureaus isn't listed as a licensed company to collect in Florida. I have no knowledge of the said debt and this company did not send me the proper debt validation before reporting negatively to my reports and heavily impacting my scores. This company is within 2 violations and I request that this company is removed from my credit reports promptly.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated that they have granted my request to remove an account identified as identity theft XXXX XXXX  and would send my results in the mail. TransUnion has not updated my account and has not sent me any results.TransUnion will be held liable for their inaction on this matter. I will be contacting the AG and sending my cfpb results to FTC. I have already make a complaint with the XXXX TransUnion is obligated by law to make sure all information reported is 100 % accurate and can and will be held accountable. Im demanding this information be deleted and Confirmation of the deletion immediately!
Product: Credit card

It's unfair that I've consistently made on-time payments for this account and have never been late. Please correct my account to accurately reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I sent a certified to TransUnion telling them about unauthorized credit inquiries on my credit report. I listed the unauthorized credit inquiries and asked for them to investigate and have those inquiries removed as they were not authorized by me. TransUnion failed to do so. 

The unauthorized credit inquiries are below : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX XXXX due to their failure to remove me as an authorized user from a credit card account and their continued reporting of delinquent activity to the credit bureaus under my name. 

Issue Summary I was added as an authorized user on a XXXX XXXXXXXX XXXX credit card account. 
On XX/XX/year>, I contacted XXXX  XXXX XXXX customer service and requested to be removed as an authorized user from the account. 
Despite my request, I was never removed from the account. 
The account later became delinquent, and the delinquency is being reported to the credit bureaus under my credit file, negatively affecting my credit score. 
I have made multiple attempts to resolve this issue with XXXX XXXX XXXX, but they have failed to take action. 
Attempts to Resolve the Issue I contacted XXXX XXXX XXXX customer service on XX/XX/year> my removal request. 
I was either told that my request was processed or that they would investigate, but no action was taken. 
I have disputed the delinquent reporting with the credit bureaus ( Experian, XXXX, and XXXX ), but the account remains on my credit report. 
I have provided proof that I was an authorized user and not responsible for the debt, yet the negative reporting continues.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by Scammers impersonating XXXX employees ( the Fraudsters or the Company ) which involved me making deposits for a total amount of XXXX USD ( XXXX USD from my checking account and XXXX USD from my savings account ) from my XXXX account to PNC at the instructions of the scammers.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and I want you to help me to figure out what happened exactly and why I have fraud accounts in my credit report. I ask you to delete them all
Product: Debt collection

They added a negative line to my credit for a bill that the insurance paid. I never even received the overdue bill from the hospital prior to them applying it to my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, while reviewing my credit report, I noticed several inaccuracies. As stipulated by the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. However, the following accounts on my report are neither complete nor accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I'd like to point out that under 15 USC 1681s-2, it is prohibited for any person to furnish information to a consumer reporting agency if they know or deliberately avoid knowing that the information is inaccurate. 

Please see the attached documents for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} DEPT OF VETERANS AFFAIRS XXXX {$190.00} DEPT OF VETERANS AFFAIRS XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

The ATM user ( me ) requests a needed withdrawal of {$200.00} and agrees to the terminal fee of {$3.00} for the withdrawal. The ATM machine dispenses AGAINST MY WILL only a portion, for this instance only {$20.00} as " was able '' by the ATM. I was NOT GIVEN A CHOICE TO OPT OUT - the ATM spit out the {$20.00} bill and closed the transaction. {$23.00} for a {$20.00} withdrawal. I fell victim to a charge of 16.25 % charge for this withdrawal. 

Should'nt I have been alerted by this ATM that the {$200.00} was unavailable and given an opt-out alternative prior to the dispense of funds? 

This happens all of the time to millions of ATM customers.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 A Known person ( contractor ) wished to be paid for Services Rendered on Our house. They gave me their email address to use for a XXXX Transaction for me to pay the invoice in a timely manner. It was an email address we communicated back and forth with several times previously. I entered that email into Bank of America XXXX function in good faith to pay them. I made the payment and in real time asked them if they saw it to accept it or whatever. They did not See it. We immediately attempted to undo/backout transaction. There was no avenue for us to do so. We then called our Banks ( for me BofA. ) The Banks stated this could take a few days for the transaction to go through, so we waited. Meanwhile, the recipient received an email from XXXX XXXX XXXX XXXX stating something about a money being deposited in an account they do not have. ( This is not my email, so I don't have it. ) The recipient XXXX ( XXXX ) does not bank with XXXX XXXX XXXX XXXX. 
I filed a dispute and investigation with Bank of Americas fraud Department. They have declined my claim XXXX stating this went to the intended recipient which it clearly did not. 
XXXX IS A FAULTY APPLICATION. 
XXXX XXXX XXXX XXXX. 
NO FAR SIDE VALIDATION/AUTHORIZATION. 
NO ABLITLY TO UNDO TRANSACTION. 
NO ABILITY TO DISPUTE TRANSACTION Both XXXX and Bank of America declined a refund or further assistance. I made this transaction in good faith, but was robbed of {$3500.00}, and I am very upset about it. 
Sincerely, XXXX XXXX
Product: Mortgage

Dear CFPB, I am reaching out to you again because my mortgage company PLAZA HOME MORTGAGE keeps playing games with my home.

Now after 4 months under review for a loan modification to reduce my monthly payment due to a hardship. come to find out that my application was denied because of my income is not enough.

However Plaza Home Mortgage somehow approved me for a loan modification / repayment plan which increased my monthly payment knowing that the main reason of this request for a loan modification was due to a reduction of income.

im not sure how's this possible when the main reason for asking for help was due to my hardship. Im very frustrated now since im now several months behind and Plaza Home Mortgage told me they will foreclose on my home. Please help!
Product: Mortgage

This is the 5th time in 4 years that I have submitted a request with the required documentation to Bank of America to modify my XXXX mortgage. The previous reasons for decline have been : 1.I make too much . 2. I do n't make enough money. 3. This is n't my primary residence. 4. I am not delinquent. It seems to me that BofA is not reviewing my request ( s ) in good faith. Because their stated reasons make no sense. How can I make too much money and then not make enough $ when my income has not changed except for XXXX over the past 5+ years. I have lived in this house exclusively for almost 20 years. I was not delinquent because of the fear of foreclosure, since this is my ONLY residence. I have become delinquent simply to comply with their last request, but only 1 payment. I have asked them to change my due date from the XXXX of the month to the XXXX of the month to coincide with my soc security. They said that they could n't, therefore I 've accrued multiple late charges. As a result, I have been forced to file bankruptcy. I have completely lost faith in BofA, therefore I am filing this complaint and seeking as much help as possible for them to honestly and professionally review my request for a modification. I was steered into this predatory 6.25 % interest only loan for 10 years in XX/XX/XXXX at which time my payments will increase about XXXX %, in XX/XX/XXXX from {$1000.00} to XXXX+/-. Because of BofA 's indifference, I am forced to file Bankruptcy. Included in my income is VA XXXX ( significant hearing loss ). When asked for a BoA manager to review my situation, I was transferred to XXXX XXXX, who admitted that he was new at the job, therefore had his XXXX with him. When I told my story they seemed uninterested and felt that since they were in a position of power, they excitedly said they would foreclose rather than review or entertain my situation. Unprofessional and uncompassionate to say the least. 
Thank you for listening to me.
Product: Money transfer, virtual currency, or money service

Transferring funds via XXXX the funds being undeliverable to the correct party and trying to receive funds and the amount not being delivered to me.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022, at a XXXX XXXX XXXX I withdrawn 3 transactions from an ATM located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX owned by XXXX  XXXX XXXX. The first 2transaction was for {$62.00} each, which transactions where successful and then later I requested another one for {$100.00} which failed due to power loss to the ATM and the transaction did not perform successfully because of ATM System failure at this location. The ATM power went off and I summons for the store Manager to come over to assist me and thats when he unplugged the ATM in order to power it back up in order to get it restarted, then the ATM restarted and indicated ATM is temporarily out of service with an ERRORCODE : XXXX { XXXX ) indicating Power off while dispensing I was then informed by the store Manager to call the Owners at XXXX in which the representative stated that she sees I didnt get the cash because of power loss. I then I called Chase bank on the same date of XX/XX/2022, to request a reversal of funds because the ATM at this location dispense the cash requested even though it went through my account as a debit. The Claim number the bank provided is XXXX. 
The Bank reversed and added the funds back to my account XX/XX/2022 ; however, on XX/XX/2022, a claim reversal was made to reverse the funds back to the ATM owners. In which I highly detest because on XX/XX/2022, I did not receive the funds in the amount of {$100.00} from the ATM located at the Gas station stated above this letter. I challenge the ATM owners to provide proof other than transaction data that these funds were dispensed out of there ATM machine. The store has cameras and I challenged them to provide proof from the cameras that I got funds after my XXXX transaction that day from this ATM machine on XX/XX/2022. The store Manager can attest to this matter as well.
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 1692g and FCRA section XXXX Responsibilities of furnisher of information. 
XXXX XXXX Account number- XXXXXXXX XXXX XXXX Account number- XXXX XXXX XXXX Account number- XXXXXXXX XXXX XXXX Account number- XXXX XXXX  Account number- XXXX XXXX XXXX Account number- XXXX XXXX XXXX  Account number- XXXX XXXX XXXX Account number- XXXX has violated my rights. 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act I request proof of the purchase agreement of alleged debts by the original creditor. 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.