23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

The amont that is posted is not my wrong doing and Ive been cancelled the account when its was at XXXX and stated that I could pay the amount at the moment too avoid this problem!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  on my reporting credit 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 a account without my written instructions.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.
Product: Credit card or prepaid card

This bank treats me horrible I recently lost my wallet and reported my 2 credit cards as lost stolen and their was fraud charges I was billed they said I wont be liable until recently they mail me letters and are extremely rude threat to close my accounts this is not fair very rude and they wont initiate a claim to refund me the charges they promised me would they denied my claim claiming I had the card In my posesion when this was reported immediately to them
Product: Prepaid card

I was given a Vanilla Visa gift card for {$250.00} for a birthday present. I tried to use that card to purchase a XXXX  on XX/XX/XXXX, but because the XXXX was more than the amount on the card, the card didn't go through. But when I tried to use the card again, thinking there should still be money on it, the card declined. When I checked the balance, there was {$0.00} on the card. On XX/XX/XXXX, I called the card company and told them what happened. They said to talk to the merchant. So I did and found out there was not a record of that charge in their system whatsoever for that date. There was only the record of the other form of payment we used to cover it. So I called the card company back and they said they would reverse the charge and have my money back to me within 7 days. Well after that 7 days was up, I checked the balance again and the money still wasn't there, so I called the card company back and put in a dispute. They said this process would take at least 3 months, but should be resolved by XX/XX/XXXX. As of now XX/XX/XXXX, it is still not resolved.
Product: Debt collection

On XX/XX/XXXX, I was coerced into paying over {$1500.00} to National Credit Systems for damages on a rental manufactured home from XXXX XXXX that was naturally caused by wear and tear and negligent maintenance services. I was told about taking action but that was not an option for me due to severely limited resources. I was told by the representative also to send written letters of my case, but those letters got lost in the mail and told me email was not an option when they do in fact have email. They told me a payment plan was an option for me on to recant the next day and said it had to be paid in full. The representative I spoke to also use intimidation tactics by threatening to report on my credit for something I did not sign or agree to and may have illegally obtained my information. In the process she also accused me of acting " hostile '' when she was coercing my to pay up something that I shouldn't have to pay.
Product: Credit card or prepaid card

Wallet stolen. 
Cash advanced made a several banks over a few days totaling over {$15.00} thousand no text, message, email received from USAA VISA asking if charges correct. Affidavit and police report submitted. XXXX XXXX calling me a criminal and that charges are my responsibility. I am victim of identity theft. Results of USSA has caused my credit report to tank. USAA has called my for XXXX demanding payment of fraudulent charges. No effort to check video of cash advances to prove it was not me. Unable to resolve through phone conversation and email communication and through mail to XXXX XXXX. 
Need your help
Product: Debt collection

I am ask for help to get this debt that is over seven years old and should have been removed from all my credit reports but still it remains by a collections agency who keeps updating it ever month and I moved out this apartment because the office ask me to move because I have children who are XXXX ill and my son has one of his XXXX XXXX and tried to attack us and my niece called the police and they kicked in the door and was wrestling with my son and destroyed the house and put holes in the wall and the apartments said it was my fault that the police kicked in the door due to my son XXXX XXXX and put holes in the wall and they said I had to pay for it but I feel the police should pay for it not me my son can't help he is XXXX ill so I moved out and she hired a collection agency to put it on my credit reports because I said I wasn't going to pay for something I wasn't responsible for this happen in XXXX XXXX I didn't have any control over the police kicking in my door and putting holes in my walls I also have pictures of my apartment and the holes in the wall was fixed and the office came and fixed the door and she told me that she was going to make the police pay for the walls and doors they tear up but she lied she put it on my credit instead NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX {$5200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$5200.00} {$5200.00} Payment Info Original balance {$5200.00} Balance {$5200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements- Contact XXXX XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX
Product: Debt collection

XX/XX/ 2015 they reported to XXXX  again every 2 mths waa a fraud case but XXXX does not see it that way police report and ftc was given to them
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$330.00} Repaired Late/Close XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I was stunned to find discrepancies out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts remained. This issue has left me feeling uneasy, and XXXX urgently requesting a thorough review of the documents I've provided so I can finally put this worry behind me.
Product: Mortgage

In 2013 I modified my home. Im attempting to refinance my phone and requested a pay off amount from HUD and Movad their services. There are 2 liens but one is erroneous. I cant complete my refi and HUD/Novad is only sending me one payoff amount and not addressing the other one. The amount is {$39000.00}. But there is another lien amount for XXXX. This is causing financial and emotional hardship. I have been addressing this with them since XXXX of this year.
Product: Credit card or prepaid card

Ref : Case # : XXXX Case # : XXXX Merchant : XXXX XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/XXXX Date of Transaction : XX/XX/XXXX Dispute Amount : {$1300.00} Dispute Amount : {$950.00} On XX/XX/XXXX, my family and I landed in XXXX for vacation with reservation at XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. We were not happy with the room we were staying in so around XXXX that night my daughter and I called the XXXX XXXX XXXX number from their website and made 2 room reservation at the XXXX XXXX at XXXXXXXX  XXXX XXXX XXXX Florida . According to the reservation service representative my room, check in is XX/XX/XXXX checking out XX/XX/XXXX, cost was {$1200.00} confirmation number XXXX and second room for my daughter, check in is XX/XX/XXXX checking out XX/XX/XXXX cost was {$950.00}. Confirmation number XXXX XX/XX/XXXX, we went to the XXXX XXXX at XXXX XXXXXXXX in XXXX Florida early morning to verify confirmation of the reservations. According to the front desk clerk my room was not reserved but XXXX room was reserved. I showed the front desk clerk that I was being charged numerous charges on my credit card. As per the front desk if I wanted a room, I had to reserve it on the spot. After explaining what we had been thru the front desk clerk allowed us to check into our room early that morning. 

XX/XX/XXXX XXXX I called Capital One and let them know what was happening but at that time the charges were pending. I was told to wait until payments are processed. 
On XX/XX/XXXX I checked out early and I was charged {$1000.00}, XXXX  no. XXXX for my room. My daughter XXXX also checked out early, my credit card was charged {$57.00} for parking and tax fees but not for the room because it was already paid, folio no. XXXX, the front desk advised me to call Hotel reservation so that they can refund me the 1 night.

I never got an email confirming the reservation. The reservation service representative told us that if we cancel there would be a fee. I never cancelled ; the merchant failed to reserve my room. Please note page 20 the merchant dispute response to Capital One, the merchant submitted an invoice from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. I never stayed there! 

According to the merchant, because they received a charge-back from my credit card, due to this action they were not able to proceed with issuing a refund on their end. The merchant requested that I refer to my credit card company for any questions or concerns. 
Capital One response to this was that my timeframe had expired. 

I have attached everything I did to prove that this was a wrongful charge {$1300.00} for a reservation never reserved and {$100.00} for a day leaving early a total of {$1400.00}. I even went has far as to call the XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. There is no record of any reservation in my name. All this information along with contact information was presented to both the merchant and Capital One.
Product: Mortgage

Checking my credit report XXXX Carrington Mortgage Company has place that I have filed bankruptcy. I have explained to these Credit Bureaus that I have not filed bankruptcy however they continue to come back after I dispute it saying that Carrington Mortgage will not remove it. I have called them and they are not fixing. 
My second issue is, XX/XX/XXXX 2015 I asked what the balance of my escrow account. The rep told me the balance for this year was {$1100.00}. I gave her my credit card number and asked her to pay my escrow in full, which should decrease my monthly payment to {$770.00} which is the interest and principle. The next month my statement showed a credit that was applied to my payments instead of the escrow account. I called and spoke to a rep and explained the situation over again. They said they would investigate it. I did not pay them for XX/XX/XXXX 2015 the month that they showed the payment for because I was pending the result from the investigation. In XX/XX/XXXX 2015, two months later, they finally reversed the payment and put the {$1100.00} towards my escrow. When they did that I they began to show my account late and charge me late fees and my payment remained the same, actually going up to {$890.00} from {$870.00} when my account was at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 card or prepaid card

CitiCard Customer Service XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX Attn : Citi Re : Case ID # XXXX To whom it may concern : Please reverse bogus renewal charge of {$110.00} to my card made by XXXX. 
Background : XX/XX/XXXX Purchased XXXX computer with XXXX already installed. 

XX/XX/XXXX Computer crashed due to poor protection. Computer not repaired. 

XX/XX/XXXX Borrowed daughters XXXX Notebook computer with another protection service provider already installed. 
XX/XX/XXXX XXXX XXXX charged {$110.00} to my XXXX XXXX. 

XX/XX/XXXX Called XXXX XXXX XXXX to question XXXX charge. XXXX said it was an automatic renewal. I told them I did not want to renew and to reverse charge. 

XX/XX/XXXX Replied to a XXXX email ( Exhibit A ) to create a paper trail for myself. 

XX/XX/XXXX Received three ( 3 ) voice messages from XXXX. I returned two ( 2 ) calls and left messages that I do not want service. 

XX/XX/XXXX From XXXX to XXXX made three unsuccessful attempts to connect to Citicards ( Exhibit B ) XX/XX/XXXX XXXX called XXXX Visa Card. Told to write XXXX and FTC. 

My repeated attempts to reverse a bogus charge reveal a pattern and practice of non-compliance with consumer laws. Please write me any reason given for not reversing this charge. 

Truly frustrated, XXXX XXXX XXXX cc : XXXX  ; FTC, XXXX XXXX. 

Subsequent to letter XXXX recorded call with XXXX XXXX told waiting to hear from Merchant 's bank. Would not reveal name of bank or how long Citi would wait or what they needed to hear. Did acknowledge receipt of written response.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX DROPPED XXXX points for no reason. it went from XXXX to XXXX overnight. It is impossible to speak with someone, the automated system is horrible, just keeps looping. 
This happened to my husband too. The score just suddenly dropped. His score dropped from XXXX to XXXX. We have excellent credit, the other XXXX show a score of XXXX as well. all the reports show excellent, but why did my score drop so much, overnight. 
He has tried and tried to contact someone, again impossible. Experian wants you to XXXX XXXX. This is extortion in my opinion. They also want your bank account username and PASSWORD. There is no way I will allow that in today 's hacking environment. Something has to be done.
Product: Credit card

I am victim of identity theft witch had me in vulnerable in distress.fraudulent account was open in my name without my knowledge and consent.cause significant harm to my credit XXXX.I am determined take necessary step to clear my name protect my identity and restore my financial well being.i kindly request you please remove these fraudulent account from my credit report.As they do not actually reflect financial history or responsibility.I appreciate any support or assistance over come these unfortunate experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because upon reviewing my credit report I found late payment that I would like to get remove from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX  15 USC 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 account without my instructions.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Product: Checking or savings account

On XX/XX/XXXX, I, XXXX XXXX, contracted a lease/rental of the home located a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX to XXXX XXXX XXXX. 

I live in California therefore she indicated that she deposited the amount of {$2900.00} to my Bank of America account in California on XXXX. 

The above amount would cover two months of rent in the amount of {$1000.00} each month and {$900.00} as a deposit. 

On XXXX XXXX XXXX XXXX texted me to let me know that she didn't want to persue the House Lease because she was moving to XXXX therefore she wanted her money back. 

I went to the Bank of America ( branch # XXXX XXXX and XXXX ) to check in person if the check had been cleared and I was told that the money had arrived to my account. 

So, on XX/XX/2019 I sent her money back through a wire transfer to her account at the XXXX XXXX XXXX XXXX in the amount of XXXX. ( I discounted from the total amount {$2900.00}, a fee of {$250.00} and {$30.00} of the bank wire cost ) On XX/XX/XXXX I recieved an email from Bank of America stating that the check sent from XXXX XXXX in the amount of {$2900.00} had no funds available and Bank of America was requesting payment for their loss. 

I belive the bank is responsable for the error in which they failed to check the funds for the check that was sent and should not charge me for that amount since I was advised by one of its bankers that the money had been deposited. 

I spoke to Bank of America several times and they dont want to take responsability. 
I have never asked Bank of America to deposit money into my account that is not mine. Also I have another accounts with Bank of America and without my authorization they took funds to cover the ovedrawn from the affected account and this is not fair bussines
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Dispute held on XX/XX/XXXX and escalated on XX/XX/XXXX under the number XXXX. 

I hope this letter finds you well. I am writing to formally lodge a complaint regarding a dispute I filed on XX/XX/XXXX regarding my credit report. As of the date of this letter, more than 30 calendar days have passed without receiving any response from the credit reporting agency, and I have been repeatedly transferred to supervisors and the internal affairs department without obtaining a satisfactory resolution. 

The lack of response and constant transfer to different departments without a clear and definitive solution has caused great annoyance and frustration in my situation. Every time I contact the credit reporting agency, the agents and supervisors provide contradictory information and my case is not handled appropriately. 

The Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies have an obligation to investigate and resolve consumer disputes within a reasonable timeframe, which in this case is 30 calendar days. However, the credit reporting agency has exceeded this timeframe without providing a proper response or resolution. 

This lack of action and delay in resolving my dispute is having a significant impact on my life both economically and personally. My ability to obtain credit, loans, and other financial services has been negatively affected due to the lack of response and the incorrect mixing of information in my credit report. 

Furthermore, the inconsistency in the information provided by the credit reporting agency 's agents and supervisors has generated further confusion and has made it difficult to resolve my case. This lack of professionalism and compliance with the deadlines established by the FCRA is unacceptable and has led me to consider taking legal action to protect my consumer rights. 

I request your intervention and assistance in resolving this dispute in a timely and appropriate manner. Additionally, I urge you to take necessary measures to ensure that the credit reporting agency complies with their legal obligations as outlined in the FCRA and that appropriate corrective actions are taken. 

Attached to this letter, you will find copies of all relevant documents related to my dispute, including correspondence with the credit reporting agency and any other pertinent documentation. 

I appreciate your prompt attention to this matter and look forward to receiving a satisfactory response within a reasonable timeframe. I trust that your intervention will help resolve this situation and ensure that necessary measures are taken to protect my consumer rights. 

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

I have been writing and calling XXXX XXXX/ XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, Transunion & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX