23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Numerous call received and message left regarding debt. Called back- debt in relation to family member, whom I do not speak with ( last I heard he was in jail ). Requested I not be contacted regarding this debt any longer. 

Calls continued- including leaving numerous voicemails/ day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Product: Consumer Loan

A debt collector sent text messages to everyone in my family including in-laws, stating that they were an " investigator '' along with a case number. The following was the actual text message : '' XXXX XXXX last name removed for privacy ], please call Investigator XXXX XXXX regarding case # XXXX number removed for privacy ] at XXXX. ''
Product: Checking or savings account

The establishment is not protecting my account. This is the third time someone tapped into my account and stole my money. The timing is so precise.I 'm beginning to think that is someone at the establishment that's doing it. This causes me to not be able to pay my bills It also incurs late fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I contacted Cash App in efforts to file a claim for a charge that was made with my digital wallet to purchase goods from an online merchant. I provided sufficient information about my case and explained that I had never received the goods that I had purchased. Cash App did not respond to my request for a claim or refund until approximately XXXX month later and when they did, they informed me that my claim had been denied. The company did this without provided sufficient or pertinent information as to why this decision was made. I contacted Cash Apps customer service via chat as I was unable to speak to an advisor or representative of the company via telephone ; however, I did not receive any response to my inquiries and my concerns were ignored. I have been a user of Cash Apps platform for over XXXX years and they have never provided a sufficient solution for addressing customers concerns and many times, left them without any resolve.
Product: Vehicle loan or lease

A car was purchased with my name forged and social security used without my permission. My mom died and left the car debt with me, and I was not able to pay for a car I did not purchase. I explained to Exeter finance LLC that the car did not belong to me and that I did not purchase this car. The original balance on my credit report states XXXX. They repossessed the car and left a current balance of XXXX on my credit report. It is affecting my credit score and hindering me from getting approved for any other loans. This is a violation of the FCRA and is in violation of Exter finance LLC compliant reporting standards. According to the Fair credit reporting act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. I would like for this to be immediately removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureau says that they verified this inaccuracy with XXXX XXXX which is a lie because it has been frozen since XX/XX/2020. I have provided written proof. In addition, the bureau has infringed upon my right to privacy based on the law 15 US Code 1681 ( a ) ( 4 ). With respect to privacy there is no such thing as a matter of public record for XXXX XXXX XXXX being as tho I am the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX XXXX  BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX  credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX  HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.
Product: Credit reporting or other personal consumer reports

I've had problems before and I've made a complaint before about the same thing ; One day it was over XXXX and suddenly the next day it went down XXXX points and then it went up. 
And so it goes, a few days ago it was over XXXX and now at XXXX I have nothing negative in my credit, everything is paid on time and my credit score with Equifax is not accurate. I need an investigation please.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item with XXXX XXXX XXXX is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being  reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to me
Product: Credit reporting or other personal consumer reports

Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties. 
The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared. 
The institution provides an explanation of how the consumer can exercise this opt-out right. 
In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau My name is XXXX XXXX XXXX XX/XX/XXXX Social Security Number XXXX. I pulled my credit report on XX/XX/XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX, FL. 

I noticed some accounts that I didnt authorize or approve which total in over XXXX of debt. 

Please remove the unauthorized account from my file : XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX  : {$8200.00} XXXX XXXX XXXX : {$9900.00} Please send me an updated copy of my credit report. 

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

I XXXX XXXX is submitting this dispute on my own behalf because I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting

Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : LVNV FUNDING LLC Account Number : XXXX Reason : I don't recognize this account Account Name : LVNV FUNDING LLC Account Number : XXXX Reason : Unverified account
Product: Debt collection

We received a letter - '' second notice '' from NDG ( National Debt Group, XXXX, TX ) proposing a debt settlement of {$11000.00} on a {$22000.00} credit card balance. There is no information about what credit card has such an outstanding balance. This is the 1st such notice. We have no such outstanding credit card balance on any card we have. 
We have not and do not intend to respond to this letter.
Product: Money transfer, virtual currency, or money service

We hired a moving company on XX/XX/year> to help move our belongings from Texas to Alaska. The move was scheduled for XX/XX/year>. The moving company sent an invoice and asked to pay an initial payment to confirm the booking. I was asked to XXXX the initial payment, which I did on XX/XX/year> for an amount of {$2200.00} I was informed that the movers will call on XX/XX/year> to provide the details of the driver and the pickup time. I received a call from the movers on XX/XX/year> stating that the space allocated wouldn't be able to fit all the items we discussed about earlier and quoted a new amount in order to move all our belongings. I informed that we will move only the items that will be able to fit in the space allocated as I didn't have anymore money available to pay and they were not ready to accept credit card payments. 

There was no communication from their end about the driver or when they will be arriving. I literally had everything packed and my girls and I lived out of the packed totes for XXXX days. My husband, who was already in Alaska working contacted them and got no response. I didn't get any response from the moving company whenever I called. When I finally got a hold of the after hours person, he mentioned the driver had issues with the truck and they are trying to get to us as soon as they could. At this point, they were lying as they were not giving us any details about the driver or their contact number. From then on, every time we call, they do not answer. 

I called my bank and filed a dispute on XX/XX/year>. They took all the information and got back on XX/XX/year> stating - " Thank you for contacting us regarding the XXXX transaction ( s ) initiated from your account. Unfortunately, we were unable to recover the funds as requested. All efforts have been exhausted and we consider the request closed. '' I contacted XXXX and they weren't of any help either. 

It has been more than XXXX  months and we haven't got our money back. The moving company blocked our numbers and we got to know that tis moving company scammed many other customers under different business names. 

We have been loyal customers of this bank for almost 8 years and it's a shame they couldn't do anything to help us with our situation.
Product: Bank account or service

There were withdrawals being made from my bank account at Chase Bank, the origin being XXXX XXXX bank. This was an automatic withdrawal that had not been approved by me. I did not become aware until more than 6 months later when I checked my statements. I had put my trust in this bank, that they would notify me of any unusual activity, since they told me they would when I opened up my account with them. which they failed to do. Upon contacting Chase, they told me it was from a dealership. They made XXXX different withdrawals, for an amount {$800.00} every month. I have contacted Chase on several occasions to inquire about the exact dealership as well as the name the person who is making all these withdrawals, and they have refused to give me any information except to tell me that they are only returning 3 months worth of withdrawals. I also let them know about another withdrawal that had been made for almost {$500.00} from XXXX, which I do n't have an account with either. I have pleaded with them for help, and even let them know I would be contacting other mediums if they refused to help. I have proof of the vehicle that I owe nothing to any dealership under my name. I have also contacted XXXX to make sure there are no accounts currently in my name to prove I did not pay those. I also can prove that my residence is not the one that my account paid for. I contacted XXXX and was told that Chase would be the only one that could reverse that charge. I am hoping that there is something that you can do for me, because these funds are mine, and I have NOT authorized for anyone other than myself to use my account for any purposes.
Product: Credit reporting

The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Product: Debt collection

I received a notification from XXXX  that a negative item had been added to my credit report on XX/XX/2024. I was not given the opportunity to dispute
Product: Credit reporting or other personal consumer reports

I was reviewing my credit score when I discovered XXXX accounts that I never opened. XXXX is with a company named XXXX, and the other is with XXXX XXXX. I am convinced that my information has been compromised, and someone is using it to attempt to open accounts without my consent.
Product: Mortgage

When I closed on the house everything went smooth rate was good, about a year later they took my school/county tax out twice once in XXXX and again in XXXX XXXX with interest on it ) didnt realize this until I got a letter stating that my escrow account was below where it should be and that they want to either double my payments or make me pay a lump sum. I called my town - county to ask if they received my tax payment they said they received no payment in XXXX so they charged it in XXXX with interest but the mortgage company took the amount out of escrow twice with no refund. Now a year later the same thing has happened school-county has not received my taxes due 2 months ago and now will be recharging me with interest in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Citi has been engaged in deceptive and illegal representation of amounts due, to customers. In the last XXXX months, my statements have been assessed interest when my entire account balance was at XXXX XXXX, AutoPay withdrew more than what was due on my account and now Citi is understating the balance on my account on Page 1 of the statement itself. This is illegal and deceptive and pattern of Statements, Pricing and consumer credit gone wild. 

My latest statement indicates a balance which is several times lower than what is the actual balance on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in XX/XX/XXXX I personally reached out to Synchrony Bank via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XX/XX/XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Synchrony Bank shortly after for a second opinion. This was due to the fact that even the Federal Government has recognized the severe economic impact COVID has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Synchrony Bank, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Synchrony Bank is acting unreasonably in regard to my situation.
Product: Checking or savings account

On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior XXXX XXXX checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. XXXX has confirmed that they recycled my XXXXXXXX XXXX checking account ( account no. XXXX ) and that this account is now with another consumer. However, XXXX will not return my funds and is insisting that XXXX dispute and/or recall the transfer / funds in order to process the return of my money, but XXXX is refusing to dispute or recall the transfer.
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 XXXXXXXX I contacted All XXXX credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.
Product: Mortgage

PNC knowingly and deliberately stalled and withheld disclosures until the last possible moment knowing of an urgency of an event on XX/XX/2019. Application was filed on XX/XX/2019. No Truth in lending disclosure was ever issued. Appraisal took over 4 weeks to complete a `` drive by ''. XX/XX/2019 I was notified that the loan was ready and would be closing on XX/XX/2019. At that time I strongly requested a hard copy of the terms of the loan to no avail. Day of closing I was informed of a mandatory Checking account requiring a minimum balance of {$500.00}. When I refused they increased the interest rate of the loan in leu of an account. Without a disclosure or anything tangible I refused to sign in fear of other penalties and fees not previously mentioned. These tactics are nothing short of predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/2022 - XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  ACCOUNTS : - XXXX  Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # XXXX - XXXX  XXXX Account # XXXX 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 an account without my written instructions.
Product: Debt collection

I was sent a collection letter by PlusFour collection agency. I was given 30 days to respond in a dispute letter requesting proof of validation. I sent the letter via priority us mail wuth a signature required to verify the letter was received. My dispute letter was refused to the postman by Plus Four collection agency and returned to me. I have a copy of the receipt and a picture of the refusal by the tracking number. I assume this is a tactic they are using to say I didn't respond in a 30 day period so they can put this derogatory collection on my credit report. I believe this to be an illegal tactic. Pleae investigate. The account number they opened on me is XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NV. XXXX XXXX. My email is XXXX and my phone number is XXXX.