23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no knowledge of this debt nor the company who 's trying to collect on it. I receive a copy of my free annual report an that 's I I notice this negative idea that 's bring my score down tremendously!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

My XXXX paycheck that came in on account ending in XXXX on XX/XX/year> was knowingly and fraudulently was moved to my credit card acct ending in XXXX on XX/XX/year> and all my other debit cards stopped working " coincidentally '' at the same exact time that all this happened. The bank knowingly and willingly committed malpractice and negligence by allowing transfers against the account owners will and authorization multiple times, such as with the XXXX case and the credit card case, and other accounts multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting I have a unpaid medical bill in collections and this bill was paid in full to XXXX XXXX XXXX XXXX directly and on time! First payment was paid directly on a phone call to a man and I agreed to pay half that day and the next half the following month. I paid {$420.00} on XX/XX/2020 Confirmation # XXXX and I paid {$420.00} on XX/XX/2020 Confirmation # XXXX. This is negatively affecting my credit and this is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
Please reinvestigate these accounts ASAP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Product: Credit card

It has been months ( as noted in the notes of all the calls I've made ) that I have requested my card information from my closed account. It is not active and nobody has a card for it. We do not have the information and have requested numerous times that they send the information. But we have never received said information. 

They will not send it to the email or phone number on file. Yet, they just agreed to send it to a random mailing address and random fax number that I gave them. They won't use their own security measure of verified emails and phone numbers, but will claim to send it via mail and fax to unverified locations. 

I am on auto pay so I'm not trying to get a way with anything. I simply want to do a balance transfer to pay my card off. They are not allowing me to do so. I have never received said letter/mail that they continually say they will send. They verify my address every time. Yet it never shows up. 

They are literally blocking me from moving on with my money and financial future and decisions. I can not do anything about it without my card/account information yet they have no way to get it to me besides mail. Which they have repeatedly failed to actually get to me.
Product: Credit card or prepaid card

Received a letter from CITI on XX/XX/2018 stating I would receive a {$150.00} refund due to credit adjustment for certain fees previously billed to my Sears Account for a debt protection program offered by Citibank NA which was a result of an agreement between Citibank NA and the Office of Comptroller of the Currency. The letter states the refund would be applied to my account handled by XXXX XXXX. I spoke with XXXX XXXX in XX/XX/2018 and they stated the refund check was returned to Citi in  XX/XX/2018 because my account has been closed for over 10 years. Everytime I call XXXX XX/XX/2018 I was told to call back in one week to receive " update on recovery '' of the refund check which I did call back XX/XX/2018 and was told to contact XXXX XXXX,. Explained I had already spoken to them and so Citi gave me another telephone number to call which I did on XX/XX/2018 and was transferred to their recovery dept and was told they show nothing to contact XXXX XXXX. Tried to explain I had previously done this but could not get any further information, I just want to know where my {$150.00} refund is or is this some type of fraudulent letter from Citi?
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX Complaint Details : I am submitting this complaint to demand prompt action under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). Being a victim of identity theft due to a data breach, I am invoking my rights to have inaccurate information removed from my credit file.

Nature of the Issue : As a result of the data breach and subsequent misuse of my Social Security Number ( SSN ) and other sensitive details, I identified unauthorized accounts and transactions on my credit report. These fraudulent entries have harmed my credit profile, as demonstrated by a recent credit denial from my financial institution. 

The items I am disputing and requesting to be blocked are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to XXXX, Equifax and XXXX. 

A copy of my government-issued ID and Social Security card for identity verification.

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report.

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies must block the reporting of information linked to identity theft within four ( 4 ) business days after receiving the consumers dispute and accompanying evidence. Additionally, 15 USC 1681c-2 ( a ) requires these agencies to ensure such data is excluded from the consumers credit report and that furnishers of the fraudulent accounts are notified of the block. 



If further information or action is needed from me to resolve this issue, please inform me right away. 

Thank you for addressing this matter promptly. 

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

Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with Transunion & XXXX. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!
Product: Money transfer, virtual currency, or money service

Sunday XX/XX/XXXX, a friend informed.me of a vehicle for sale through a friend of hers on XXXX. I was in the market and the XXXX account owner was a mutual friend I had met before. I knew of her current family situation that her father was being placed in a XXXX XXXX XXXX and she was currently out of state dealing with her father arrangements. The post had several items ( yard sell ) they claimed to be selling to transition her father to XXXX home. The yard sell essentially was happening in real time. 
My friend informed her through XXXX XXXX interested in the post for the vehicle. My friend was then asled if she could share my phone number so we could arrange the sale. I agreed and then I recieved XXXX shortly afterwards indicating they were the XXXX holder and if I had question to about the car. They provided me details on the car. I tried to.call the number but I recieved a.message to text as she was attending.to people in person but if XXXX interested I could put a.deposit down and they would take it down for sale and hold for me until I could see.vehicle. if I.did notnwant it they would refund deposit. I agreed to the terms and the asked for {$1500.00} deposit. I used Zelle. Initially, I was unable to send XXXX only {$1000.00}. I added the number as XXXX user name and sent {$1000.00}. 

After I was.unable to.send {$1500.00} the user asked XXXX the {$1000.00} was sent and how would I send the additional {$500.00}. That is when I got a bit suspicious and call the number again. The reply was a bit rude which now I questioned if I was communicating to the right person. I called our mutual friend to see if she could get in contact with her. That is then when the scam was revealed. The XXXX XXXX account hD been hacked and she has been locked out of it for XXXX weeks. I.then contacted.Wellsfargo, my bank to try and cancel the Zelle transaction and file claim. It was Sunday so the bNk told me I would have to.wait until XXXX when the department open, but the transaction is complete. After further review of the Zelle transaction I realized not only was the phone number did not belong to the mutual friend the recipient account phone number was register with Zelle as XXXX XXXX, the scammer. 

After a week XXXX informed me I would not be refunded for the scam transaction because money from scams are not refunded. I am lost for words. I reported the scam/frusf immediately and the transaction did not post until the next business day XX/XX/XXXX. 

Now XXXX being told I have to file a police report to start a.seperatw investigation. XXXX told me they could not provide me.any information regarding the scamer account and the transaction. Very disappointing!
Product: Credit reporting, credit repair services, or other personal consumer reports

according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX XXXX XXXXl account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXXXXXX XXXX Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXXXXXX XXXX XXXX Account Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This letter writing back and forth stuff and trying to get these inaccurate accounts fixed is really starting to bother me emotionally. I noticed that you did not correct my problem with the account listed below. I advised you that I would be filing a complaint with the FTC if the problem was not fixed. 

In your last letter, you told me that I needed to contact the furnisher regarding the verified account. Well I did just that. They never responded to my request. From my understanding, if the furnisher cant verify that an item is being reported with 100 % accuracy, then they cant report it to the credit bureau. Because of that, this item must be removed at once. 

Creditor : XXXX XXXX Account : XXXX Reason : Payment Never Late on account Instruction : Remove the reported late payment I have researched some other agencies that protect consumers against inaccurate reporting, and these agencies websites state that I can file complaints if the credit bureaus do not follow the rules. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress. 

Please fix this problem or I will have to file complaints with the following agencies : Attorney general in your state and the Consumer Financial Protection Bureau. 

I will be awaiting your prompt response.
Product: Credit reporting or other personal consumer reports

lendmark finical services claims opened on XX/XX/year> i dont even know why nor what was bought around XXXX dollars remove now from credit report or send XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Please reference prior Complaints ( XXXX and XXXX ) as this is an ongoing issue. My mortgage company continues to defy the law as set out by the CARES and American Rescue Plan in regards to a Covid hardship-related mortgage payment forbearance as deferral. Shellpoint ( dba New Rez ) continues to communicate with threats regarding foreclosure/short sale, most recently trying to force me into a Loan Modification when a Loan Deferral is what I was under ( see XXXX email XXXX, attached ). Since XX/XX/2021, they are BLOCKING my timely mortgage payments, then penalizing/reporting to credit agencies that I have not paid ( see attached ). 

I once again attempted to make my timely online payment on XX/XX/XXXX, but am still being blocked from doing so. My credit score is also being impacted. Shellpoint has communicated with conflicting messages throughout this 2-year process, swinging incoherently from threatening to confirming the true solution, then more threats. There is zero clarity ( or seemingly any communication WITHIN the company ).
Product: Debt collection

Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.
Product: Checking or savings account

My mom has XXXX bank checking account. She wrote a check ( {$XXXX}, check # XXXX ) payable to me and I made a mobile deposit to Ally bank ( XXXX ) The check was clear on XX/XX/XXXX. All good. 

Suddenly, on XX/XX/XXXX, Ally bank withdrawn {$XXXX} and said " The Federal Reserve shows this check as being deposited twice and we are required to comply with their adjustment request. Since the check has cleared, the maker should have their bank research for more information '' We asked XXXX  bank for the investigation, and they said " There is no other transaction recorded for this check after the check was cleared on XX/XX/XXXX '' I think.. if the check was deposited XXXX, there should be another/XXXX  transaction on XXXX  bank side, XXXX XXXX But there is not. 
Ally bank keeps saying that they can not provide any further help/investigation regarding this matter. I feel like they stole my {$XXXX}.
Product: Checking or savings account

Credit karma hasy account locked and won't unlock it I been calling them since Friday XX/XX/20XXXX XXXX XXXX XXXX to resolve this issue and still calling them as we speak. To no avail that they say they can't unlock my account. Different representative gave me different time frames of XXXX XXXX to 10 days I dealt with the account locked before it didn't take that long to resolve. I need my money to payy bills that currently getting charged for late fees and to feed my family. I just want to be able to access my money and withdrawal it and close this account
Product: Credit reporting or other personal consumer reports

account # XXXX XXXX XXXX XXXX reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.
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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account # XXXX ( 2 ) XXXX XXXX Account # XXXX ( 3 ) XXXX XXXX XXXX Account # XXXX ( 4 ) XXXX XXXX XXXX # XXXX ( 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX ( 6 ) XXXX  XXXX XXXX XXXX # XXXX ( 7 ) XXXX/DEPT OF EDUCATION ACCOUNT # XXXX ( 8 ) XXXX/DEPT OF EDUCATION Account # XXXX ( 9 ) XXXX XXXX XXXX ACCOUNT # XXXX ( 10 ) XXXX XXXX ACCOUNT # XXXX XXXX 11 ) XXXX XXXX ACCOUNT # XXXX ( 12 ) XXXX XXXX ACCOUNT # XXXX XXXX 13 ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX
Product: Debt collection

Mailed XX/XX/22 check for {$270.00} to pay down debt for dental work at XXXX XXXX. Mailed payment to XXXX, Ohio instead of XXXX, Texas collection center to XXXX XXXX Financing with account number on the check. Still have not credited my account with payment even though check cleared my account XX/XX/22. Sent me XX/XX/22 letter on my jy inquiry as to why check not cleared and was told it could not be located in their collection system. When check cleared my personal bank account XX/XX/22, I thought issue was resolved. However, Comenity Capital Bank said my claim was under investigation and it would take up to 90 days to credit my account for {$270.00} subject to interest. Amount still not credited to my account. My bank ( XXXX XXXX ) said they could not provide me with a image of my check because money was withdrawn via electronic transfer. I want the {$270.00} credited to my debt account asdof when it was cleared. Filed with XXXX XXXX XXXX, but told I must wait for Comenity Capital Bank to respond because they are exempt to providing third-party information request.,
Product: Credit card or prepaid card

Tried paying my Victorias Secret credit card yesterday, and I was unable to log into their website. Apparently they are having a planned system update, that they did not even email me about. Now Im concerned I will be charged a late fee at no fault of my own, nor do I know if they were hacked and my info is out there. 
Unable to get ahold of any customer service, as their phone systems are down, and they give generic responses on XXXX.