23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A person calling himself XXXX XXXX posed as a Ditech Mortgage Representative. He contacted me by telephone on Wednesday XXXX XXXX, XXXX at XXXX XXXX. Per my caller ID he called from XXXX and left a voice mail for me to return his call at XXXX XXXX XXXX XXXX if I was interested in saving my home. I contacted XXXX XXXX on the direct line he provided and negotiated an amount of {$500.00} to be paid that day and an additional {$800.00} to be paid on Friday XXXX XXXX, XXXX. What seemed odd was the method of payment. It was required that I purchase a prepaid debit card in the amount of {$500.00} from XXXX, call XXXX XXXX with the account number, CVV number and date of expiration. I felt weird about this all night. I contacted Ditech customer service at XXXX XXXX XXXX XXXX before completing the second transaction on Friday XXXX XXXX, XXXX. I was informed by Ditech customer service that they do not accept payments using prepaid debit cards, and that they do not accept partial payments for homes in foreclosure. My home had been placed into foreclosure 3 days before. Furthermore, there was no indication on my account that a XXXX XXXX had made any notations on my account about the payments, or our negotiations to move the loan to a modified status. I am about 50/50 if XXXX XXXX actually works for Ditech or had spoofed the telephone number identifying his initial call as being from Ditech. If he is a Ditech employee I feel he mislead me into making a payment that will not allow me to modify my mortgage. In any case when XXXX XXXX called by this morning to execute the {$800.00} payment I told him he could go to XXXX as he had already stolen {$500.00} from me. Please help me determine if I got ripped off or if I am just being played by my mortgage company.
Product: Payday loan, title loan, or personal loan

We are getting ready to paydown our Bank of America HELOC so i wanted to clarify what the deferred interest was that kept showing up in our statement. I also wanted to clarify what a particular transaction was in our transaction history online was since we haven't drawn from the line of credit sinceXX/XX/XXXX or XXXX. This transaction does not appear in our statement. I called customer service and I was told a 'case ' would be opened to look into the matter since they couldn't explain what the deferred interest was for. They also did not see the transaction I was referring to in their transaction history. Why does it show up in our activity online? I was told a copy of our transaction history would be mailed to us. We have heard nothing about the case nor have we received any transaction history documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the
individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW
Product: Debt collection

Having noticed collection activity on my credit report from Portfolio Recovery Associates, I inquired as to the validity of said debt. 

While I received response from PRA in attempt to verify debt, it was indicated that the debt is relative to an account not on my credit report, as account open date for XXXX XXXX as provided by collection agency is not accurate, nor is account number. 

Further, date of last payment against above account was also not provided, to validate legal premise to attempt to collect said debt within status of state limitations in TX, that being 6 years. If said debt relates to account listed on credit report for XXXX XXXX, despite inaccuracies of account number and open date, the last payment against account noted on credit report ( not the one referenced ) neither reports a balance owed, but indicates last payment was XX/XX/2009, rendering this collection activity outside of state statutes.
Product: Debt collection

XXXX. Paid for XXXX XXXX. Confronted XXXX XXXX and XXXX. before collections about {$380.00}. Records confirmed no such debt. Called debt collections and disputed dept. Still refused to remove negative remarks on credit.
Product: Credit reporting

None of the XXXX bureaus were able to provide me with a report. They say the information I entered does n't match what they have on file. However, I know a little more : a while back, I was looking into a car loan with my local bank, and the loan officer who ran my credit check ( who knows my dad ) came back saying that while he could n't approve me, he noticed that my dad 's credit history was mixed in with mine for some reason. We do n't have the same name ; how can I get all three of them to fix this error?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I Reviewed my credit report on or about XX/XX/XXXX and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and Experian and XXXX XXXX said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from XXXX and XXXX XXXX but not all that was detailed in the FTC identity theft report and police report and Experian nothing was deleted and I never received a response letter.
Product: Credit card

XX/XX/year> I placed a large order from Sephora. On the check out screen it said you have been preapproved for a Sephora credit card and can save {$110.00} today apply now. 
I clicked the apply now button and submitted my information ( address, last for of SSN, and yearly income ). After clicking submit I received a message that said " Comenity Capital Bank is currently reviewing your application and your be notified by mail within 10 business days ''. The promised {$110.00} discount was not reflected. There was a section that indicated the Sephora credit card had to be selected to receive discount but there was no card. 
I called Sephora who indicated I should have received a temporary card or #. They transferred me to the credit card company. The first person I spoke to, XXXX was not much help so I asked to be escalated. She sent me to XXXX. XXXX indicated that the discount was only available if you applied for the credit card in person. I told her that is not what it said on line and that was very misleading. She agreed that as a customer she thought it was misleading and that it had been discussed in meetings but there was nothing she could do. I asked to be escalated to supervisor and she hung up on me. 
Went through this same process at XXXX a few weeks ago ( in person ) and had no problem receiving approval or instant discount. 
Sephora order # XXXX merchandise subtotal {$450.00} credit card discout 25 % or {$110.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00}
Product: Checking or savings account

Opened a Citibank basic checking account on XX/XX/XXXX, online. When opening this account I funded this account with {$15000.00} from my XXXX  account. The funds cleared my XXXX  account on XX/XX/XXXX. I then received my debit card and registered this on XX/XX/XXXX. At that time ( on XX/XX/XXXX ) I requested an additional {$10000.00} to be transferred from my XXXX  account to Citibank, the same bank that had previously {$15000.00} clear with no issues. The transfer cleared my XXXX  account, with my legal name on XX/XX/XXXX. Starting on XX/XX/XXXX, I was unable to login to my Citibank account and called ( XXXX ) both on XX/XX/XXXX and XX/XX/XXXX in order to resolve this issues. I was told the {$10000.00} was flagged for " fraudelent '' activity, even though this came from the same bank account my original funds came from ( with no issues ). As of XX/XX/XXXX I was told my account was closed and it would take 30-60 days for those funds to be mailed to me via check. Subsequent to that phone call I received a text alert ( even though I could not login to my online checking ) that the {$10000.00} cleared on Citibank with no issues ( on XX/XX/XXXX ). This is an un-acceptable time frame for me to without this large sum of funds. I except a resolution ( checked mailed or funds returned via ACH ) in a timely manner ( less than 15 days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

4th notice for Utilization to be updated to 5 % or below. Congress states Utilization is an experience with the line of credit that was extended between the consumer and the company and financial institutions must provide 3 forms of Disclosures before reporting to Non-affiliated third parties ( CONSUMER REPORTING AGENCIES ). Written Consent MUST BE GIVEN BY CONSUMER TO SHARE THEIR NON-PUBLIC INFORMATION. PLEASE READ LAWS BELOW WHICH YOU ARE IN VIOLATION FOR THE ACCOUNTS BELOW Accounts with Utilization XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Credit Cards fall under 15 USC 1638 Truth and Lending XXXX has failed to comply with disclosure reqiurements under this law. No reporting should be made until all general disclosure requirements have been met by law. 

THE LAW CLEARLY STATES BELOW 15 USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a - Definitions ; rules of construction Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included in the Consumer Report.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX response to report transactions experiences late payments to consumer reporting agencies is against the law I have disputed the accuracy of the account, as I have been charged with late payments in XXXX after payments were made setting my utilization over the credit limit to {$410.00}. However such errors wouldn't be reported if XXXX XXXX followed the law and regulations.
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft report # XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following accounts attached in my Identity Theft affidavit are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Debt collection

I received a bill from the hospital and it was due on XX/XX/XXXX. Before I had the chance to pay it, the hospital sent it to a collection agency, FMA Alliance , Ltd., on the day it was due XX/XX/XXXX. I called the hospital on XX/XX/XXXX and paid off the bill and was assured that it would be recalled from collections since it should never have been sent in the first place, I was told it must have been a " glitch '' in the hospital 's computer system. On XX/XX/XXXX IXX/XX/XXXX received a letter from the collection agency stating I still owed the payment of XXXX. I explained that it was paid in full to the hospital but that did not matter. I was told that I still had to pay the collection agency, FMA, as they were not notified it was paid. On XX/XX/XXXX I contact the hospital and explain, they say they will contact  the collection agency, FMA. Called FMA back to make sure it was taken care of, was told it would not be cleared until they received payment I gave to hospital. Tried to work with hospital, they treated me like I never paid and was lying. Collection agency just threatens to put on my credit while demanding payment. Said they will continue to contact me until they receive payment from me or hospital. Hospital said they do not take the payment from me to send to collection agency. So not only did hospital send it to FMA in error, now that it is paid in full, FMA still wants the same payment. Hospital 's solution, just ignore them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Consumer Loan

A representative from Santandar left a voice message on my phone asking for a call back. The voicemail left detailed customer information. I called to ask that my number be removed from the account because I had no affiliation with the customer or the loan. The Santandar representative ( female /last name XXXX ) refused to do so. I 've never been affiliated with the loan or customers, and believed it was a reasonable request.
Product: Debt collection

In XXXX an Associate came over to my home here in Florida from XXXX XXXX XXXX. We installed a home security system in our home. There were no problems in the beginning and all bills were always satisfied and paid in a timely manner. In XXXX a major storm hit our area and lighting struck our home a burned XXXX XXXX XXXX XXXX system. We made numerous phone calls to have the system repaired and or replaced but nobody ever came to make any repairs or replace the system. We called XXXX many times and appointments were supposed to had been scheduled but nobody would show. In XXXX and XXXX, XXXX. XXXX I checked my credit report and saw the XXXX had sold my account to a third party collection agency called Perfection Collection. I gave Perfection Collection and call to explain to them that I didn't owe this bill and that XXXX broke their contract by having someone come over to the home to fix and or replace the system do to a major storm and a lighting strike burning the system. The collection agent then stated, '' We don't care nor want to hear what you have to state, you must pay this bill today, or contact XXXX to figure this mess out with them ''. I again tried to communicate with Perfection Collection, but this was not successful. I then called XXXX on XX/XX/XXXX. XXXX to explain to them what has happened again, but the only option they gave to me was to call Perfection Collection because the account had been sold to them and there was nothing anyone could further assist in. 
I do not owe Perfection Collection or XXXX the total amount of {$1.00}, XXXX for services that were never provided. The amount owed began after the major storm occured and after the lighting strike the home and burned the unit this was not any amount owed before this time. I'm asking for this to be removed from my credit report because XXXX  and XXXX have removed this from my credit report, however, Perfection Collection thought they could try again with XXXX and know this is back on my credit when it was resolved with the other two credit agencies. I did report this matter with XXXX  on XX/XX/XXXX but they do not want to resolve this issue. I have been also getting over thirty phone calls per day from Perfection Collection on my business work phone. I'm asking for this matter to be resolved.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. I am contacting in regards to seller account XXXX XXXXXXXX, email ( XXXX ) merchant ID XXXX. I have had an account on Mercari for nearly a year now with an exceptional track record. There was a total of XXXX sales, XXXX star feedback with a rating of 4.92 %, and 1 % return rate. I had only one customer claim the item they received was not as described which took place on XX/XX/23, many months ago. I have had zero listings removed, no knowledge or understanding I violated any policy until yesterday on XX/XX/23 I received an email out of the blue stating my account was closed due to the belief I was selling prohibited items. I immediately contacted your support asking why this occurred, and the ability to rectify any concerns you may have felt about my selling of items. I was denied this, and not allowed to submit any information to appeal. Having understood your terms & agreement I have currently $ XXXX being held, without any option to withdraw the funds. There was nothing on my account that flagged a purpose to make such a drastic decision, and although I understand the want to ensure sellers uphold your policy, I was not given a fair option to appeal this decision that was made by mistake. This does not seem like it would legally be upheld in the court of law, you have made a determination based on no basis other than actively go out of your way to make judgement about my listings, however I have had XXXX customers receive products from me, and they have felt differently, many of which clearly state in the feedback my products are authentic. Therefore if this decision was made without alternative motives, it would only make rational sense based on all the evidence outlined I would be given at the very least an option to submit my case and appeal your decision. We are speaking on grounds of ethical practices a marketplace should operate under.