23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

MRS BPO debt collection agency attempted to collect a utility ( internet ) debt for internet hardware that was the result of identity theft in the creation of an account with XXXX internet services- this account is associated with a physical address at which I have never lived and is using an email address I did not create and have never used. I communicated this to MRS BPO and XXXX and they still added a collections account to my credit report on XX/XX/2023 resulting in a score drop of nearly 50 points across all reporting agencies. This drop has resulted in me being unable to take debt consolidation loans or auto loans and has caused irreparable harm to both my credit score and personal finances. I intend to pursue litigation against both MRS BPO and XXXX if all of my requests are not met in a timely fashion.
Product: Checking or savings account

I opened a XXXX XXXX months ago with U.S. Bank XXXX Upon XXXX maturity on XX/XX/XXXX, I informed them that I would like to receive a check. I waited 2 weeks with no check in the mail I've contacted them again. They told me a check was lost and that to get a replacement check I needed to sign a form stipulating I never received this check. So, I waited another 2 weeks and never got the form. Upon my call, they told me that I was having a mail problem or the address they had on file was not correct. I told them it was not true because Im getting my statements from other financial institutions. Also, I received a letter from them dated XX/XX/XXXX about the upcoming maturity of my XXXX  I was transferred to the manager and besides promised to resend the form I was not able to get anywhere. The closest branch is XXXX hours from me so this is not an option.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!
Product: Prepaid card

I am a state resident of Texas and received a prepaid gift card with {$25.00} on it. The packaging said no fee and such. Today, when I went to activate it, I was surprised it was {$0.00}, and they shared it was due to not registering the card ; when I try to register the card on their website, I keep getting an invalid card number. When I called in they advised me to keep trying as they can not help.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX 
The fund of {$79000.00} was available in my square account. Please see attachment. 
XX/XX/year>, I attempted to transfer the available amount of the fund {$79000.00} to my bank account linked to my square account. 
XX/XX/year>, I contacted square company about the delay of the transfer and asked for a resolution. Please see attachment. 
XX/XX/year>, Square emailed me back to notify me that the company has deactivated my account. Please see attachment. 
Since the deactivation of my square account, I have been in continuous contact but I never received a good explanation and I always get referred to the initial email that has no reasonable explanation
Product: Debt collection

On XX/XX/18 I sent a certified letter to XXXX XXXX aka Resurgent capital services. I asked them to validate a debt that was being reported on my credit report. On XX/XX/18 I received a letter from them asking me to contact office for further assistance and also wrote a disclosure stating I needed to notify them within 30 days of receiving the new notice if I dispute the validity of the debt. They told me to dispute the debt if I didnt think it was valid in response to my debt validation letter.
Product: Credit reporting or other personal consumer reports

As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXXXXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for CITIBANK NA, Best on XX/XX/XXXX. Don't ever recall talking to them or to XXXX XXXX XXXX XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

Thanks
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed missing credit card account information.
Product: Mortgage

CitiFinancial is the junior lien holder on my loan. I have a good offer for $ XXXX with the senior lien holder ( XXXX XXXX ) netting $ XXXX and they have offered the Junior Lien Holder {$6000.00}. The Junior Lien holder is being unreasonable and trying to push me into foreclosure by wanting $ XXXX. 
They told me that their appraisal came in at $ XXXX, and then I sent them a copy of the appraisal from the Senior lien holder which came in at $ XXXX. This lender has lied to me time and again, I am desperate to get this done and over with. My wife passed recently and I do not have the money to maintain the mortgage. Please assist me in anyway that you can.
Product: Checking or savings account

I was supposed to get paid on XX/XX/2025. After reaching out to HR they advised that capital one bank was having deposit issues. Capital One Bank could not provide an ETA. My check was {$2300.00}. They are not able to accommodate my needs. This is unreasonable and unlawful. This issue is impacting everyone that has capital one bank.
Product: Debt collection

Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account from CMRE that was opened XX/XX/2020. They have placed a note on the account that this was " reaffirmed in bankruptcy. '' I have never filed for bankruptcy. Ever. 
Some additonal info below : {$340.00} IN COLLECTIONS CMRE XXXX ACCT XXXX XX/XX/2020 LAST TIME REPORTED
Product: Debt collection

I established a payment plan for an ambulance bill, after being served court documents. I called the company, Professional Finance Company, and arranged a payment plan of {$150.00} per month, with them adding on additional charges for the payment plan. 

In XXXX, a payment they collected was reversed by my bank. They had been regularly updating me about the debt via my email, but I never received an email to this effect. They told me they tried to call, but I get so many spam calls I never received it. This was why they had my email, which they had been regularly using to contact me previously. 

My employer informed me that he received unsigned court documents asking to garnish my wages. Because the court documents are not signed, my employer does not believe they need to officially comply with this request. 

I called Professional Finance Company today, XX/XX/year>, to try to sort out the misunderstanding and get the payment plan back on track. They have refused to do this. They will only accept the amount of {$510.00} in full, or will pursue garnishing my wages. They also said they can set up a new payment plan, which will add on additional fees in addition to the amount they are trying to garnish from my wages. 

They knew how to contact me, but said after attempting to call they moved forward with wage garnishment, despite the fact that they had the means to reach me via email, the method they had been using to communicate with me. I feel they were deceptive in these actions, intentionally putting me in a difficult situation that I could have corrected, had they simply contacted me by the method they had already been using to communicate with me. This seems like a blatant, deceptive attempt to collect even more money from an ambulance bill.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/year>
Product: Debt collection

Received mail on XX/XX/XXXX, XXXX I will be sued in small claims court by Portfolio Recovery Associates , LLC XXXX I had no proper notifications of any debts by this company and now I'm being harassed by multiple law firms to represent me for this lawsuit. This amount of {$1200.00}.
Product: Mortgage

I submitted a complaint CFPB ID : XXXX and I'm dissatisfied with the response from Flagstar. I am submitting this complaint to request for more explanation. According the response, my escrow/loan was placed on hold until XX/XX/XXXX. How come the property was paid on XX/XX/XXXX? almost a month after? How am I supposed to be held responsible for the late fee when I never once received one pay-off statement, let alone three that were attached. They were likely sent to the broker ( s ) I was working with at that time ; however, I did not go through with any of them. Again, as their customer, I feel that Flagstar does not have my best interest at heart.
Product: Credit reporting or other personal consumer reports

I did not request the below inquires nor have anything to do with these companies. These are not my inquires. 

Please remove these from my credit report. 

XXXX XXXX - XX/XX/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: Prepaid card

I use Rushcard and they informed users that they would be doing maintenance on Monday, XXXX. That was fine since it was a bank XXXX anyway. I sent money to my account from XXXX on Friday. With Monday being a bank XXXX, I did n't expect the money until Tuesday. Tuesday has come and gone and still no money. My direct deposit was also due in my account on Wednesday, XXXX, and it also has not been deposited. Rushcard has acknowledged that they are having issues, but are n't keeping users informed on the status of our money. If you look at their XXXX ( XXXXRushCard ), this is the same problem everyone is having. It 's as if our money has just disappeared and we are not getting an adequate explanation of when we can expect to have it back. Money that was available in our accounts before the system update is also now gone with our accounts giving us a {$0.00} balance. We all have bills to pay and no timeframe we can give our creditors. It 's frustrating and financially devastating for a lot of people. I understood their issues on Monday since they warned us, but this is the XXXX day and no one at the company is helping other than releasing updates that are obviously not true. Some of their XXXX numbers have been disconnected, customer service is hanging up on people, and other people are waiting hours to speak with someone. It 's unprofessional and as a financial institute, they need to be held accountable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$590000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$600000.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600000.00} XXXX XXXXXXXX Balance : {$150.00}
Product: Money transfer, virtual currency, or money service

I'm a senior ( XXXX years old ) and on my social security fixed monthly income of {$1700.00}. In XX/XX/XXXX I trying to find ways to invest my saving to generate additional passive income and fell victim of the scam crypto contract trading platform in the XXXX and as result I lost over {$100000.00} i.e. {$20000.00} from my saving account and {$80000.00} from personal loan and credit cards debts. My crypto account with the profits amounted to over usdt XXXX but was unable to withdraw despite I've wired the below usd XXXX as requested by the fraudster in order to wire my $ XXXX to my bank account. I've filed three FBI IC3 ( an online FBI complaint Referral Forms ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. 
I therefore urgently request CFPB to recliam from the Bank of America 's account of the fraudster that I've previuosly wired usd {$10000.00} on XX/XX/XXXX as detailed in the following section / attached information below i.e. the wire transfer details / form. Kindly expedite to freeze the XXXX bank account XXXX Bank of America ) of the fraudster and claim my wired fund back to my originating XXXX checking account as I've filed with XXXX Bank since XX/XX/XXXX return but XXXX claimed that they're unable to assist due to wire scam instead of fraud. The detail of the receiving bank and benefiary as below : XXXX XXXX XXXX Company Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Bank Information : bank of america Account number : XXXX XXXX Routing Number : XXXX XXXX Bank address : XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX 
Thank you for your prompt actions! 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had my mortgage listed as being included in my Chapter XXXX bankruptcy ( discharged in XX/XX/XXXX ) and didnt have anything listed about my many years of on-time payments, nor the open status of the account. I disputed this and instead of updating their records to reflect the correct status of my account, they deleted the account from my credit report entirely in XXXX of this year. 

When I contacted TransUnion via phone, I was told that deleting the account was the only way to correct the information on TransUnions system, as it would then be replaced with the correct and up-to-date information my mortgage holder, XXXX XXXX, would be reporting to them. The man I spoke to said it should update automatically, but if not, directed me to contact XXXX XXXX. 

In a letter dated XX/XX/XXXX, I contacted XXXX XXXX since my mortgage still wasn't appearing on my TransUnion file. In a XX/XX/XXXX phone conversation with XXXX XXXX of XXXX XXXX I was informed that XXXX XXXX had been reporting my open mortgage account to all of the major credit bureaus as of XX/XX/XXXX and that any error was on TransUnion 's part. 

I believe that this issue is negatively impacting my TransUnion credit score.  XXXX and XXXX both have my XXXX XXXX account listed and with correct payment information. My FICO XXXX score from XXXX is XXXX. Per XXXX, my XXXX XXXX XXXX score is XXXX and my TransUnion XXXX XXXX score is only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Product: Debt collection

I was contacted by XXXX XXXX XXXX on my mother 's phone they said that they would be submitting my debt from XXXX XXXX XXXX  to XXXX County to serve me with a court date if I did not pay. I called this company to set up a payment arrangement for {$730.00}. I completed payments on XX/XX/17. I never received a final payment statement showing the account was paid off. I have since been contacted by another collections agency for the same debt who said that they bought this debt directly from XXXX XXXX XXXX. They did not show any records of my payments. I have since tried to contact XXXX XXXX XXXX via all 3 numbers in my submitted document. One number is disconnected and the others do not ring at all. I am very upset as I do not have expendable funds. I am now paying the new company who has the debt. I googled this company and see may complaints of the same thing happening to other people. Their address I found via one complaint form is a XXXX box. This is a complete scam and I want my money back.
Product: Debt collection

On XX/XX/XXXX, I paid a debt to IQ Data that I owed. But while talking to the representitive, I was told that they had another open account for a debt from an apartment complex in XXXX. Except for 4 years living in XXXX  and XXXX, I have lived in XXXX. When they researched it on there end, I was told that it was a mistake because I share the same last four of my social, and that it will be fixed. Today, I have recieved a call from IQ Data for the same debt that was wrongly placed in my name. When trying to explain the issue, I was notifed my name is on it, so it should be mine. Then when asked to talk to a supervisor, I was placed on hold for a couple seconds, then told they were not there. I called back, and got the same response, and was told only they would not contact me anymore. But said to call to see if I fixed this debt. I have not gotten any proof of this debt in the mail, or had any idea about this debt until XXXX of XXXX XXXX. Yet there website has said it's been in collections since XXXX. If it was mine it would have been on my credit report.
Product: Debt collection

I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Mortgage

I have called the company several times attempting to request a 2023 mortgage interest statement. I leave messages and the company will not return my calls or send the statement.
Product: Credit card or prepaid card

I prepaid for a car rental on the XXXX website. When i arrived at the XXXX store to pickup the representative stated that they did not accept reservations that have paypal cards. She said she would have to create a new one which i paid with my XXXX XXXX card and that i would need to contact customer service and they would refund the original charge. I have now contacted the customer service line 4 times and requested a supervisor. They have not refunded my charges so i have been charged now twice for this car rental. Each time i spoke to them they stated they are submitting the refund and i would receive it within 7-10 days. To this day i only received a credit for one day that i added on. They provided me two refund confirmation numbers XXXX and then the next call they gave me XXXX. I have also reached out via social media. If it's not resolved I will open a complaint with the CFPB. I have attached the final receipt paid with XXXX card and initial reservation. Paypal has not accepted any of the 4 attempts to submit a dispute online. The website says there is an error and i am unable to reach anyone. 
This charge was on XX/XX/XXXX for {$330.00}