23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collections account showed up on my credit report and I have tried SEVERAL times for account validation because this isnt mine and unfortunately had identify theft with XXXX so I watch my credit report VERY carefully. I have never received communication by mail or phone from this company and went as far as to contact the credit agencies for help.
Product: Debt collection

Meridian Financial is reporting multiple debts on my credit report, from a time-share in Florida, called XXXX XXXX XXXX XXXX. We did sign some papers with XXXX XXXX years ago, but there is a 10-day right of rescission in Florida, and we rescinded the contract within 10 days of signing. We have never visited that property since, and their attempt to collect this debt is either an error or gross negligence.
Product: Debt or credit management

I received a debit card from Money Network in XXXX  for {$700.00}. I spent over {$500.00} and have a balance of approx {$110.00}. I cant use the card and can not contact money Network. They say they have no record of that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and Department of Education ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. AroundXX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ XXXX/ Experian continue to allow  for the information to be removed and replaced back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}
Product: Credit card

I purchased a product online through a company and only received 1 of the 3 items outlined on my invoice. I contacted the company to let them know I'd like the product and/or a refund for the 2 of 3 items I did not receive. I was met with hostility from their support person XXXX XXXX. He stated " good luck getting a refund '' and that I was " wasting his precious time ''. At that, I called my credit card company, Discover and they started the chargeback process. They initiated a temporary credit until the dispute was completed. Approximately 1-2 weeks later I checked my credit card balance and it was back to the XXXX  for the product I purchased and never received. I contacted discover and they stated that they contacted the merchant and are voting in favor of the company due to the purchase being " valid '' ... nothing was sent to me via email nor in my " help center '' portion of the discover login or app. I was extremely disappointed. I thought, as a consumer, I would be insured against issues with purchases. Clearly that was not the case. The manager I spoke with at discover said there's no way to reopen the dispute because they've ruled in favor of the merchant. The merchant had only tracking for one of the 3 items.
Product: Credit card

There is not a box to check for this problem. 

On XX/XX/2024 I made a purchase at Macy 's XXXX XXXX in XXXX. The sales associate was clicking away on the authorization keypad. I told her I did not want a Macy 's American Express card. She kept clicking while telling me I would not get one. Several weeks later it arrived in the mail. I have spoken with Macy 's customer service 8-10 times to no avail. I have sent a letter to the store manager. I have spoke to their we care department. I was told I my Macy 's account can not be reopend. I have cancelled the Macy 's American Express card.

Isn't it illegal to open a card without permission.
Product: Debt collection

On XX/XX/2019 I when to XXXX XXXX XXXX to purchase a sofa, they were having a XXXX of XXXX sale. 

My friend accompanied me to help make a selection, she was included on the communications that took place with the sales man, him and the other sales personnel were not very helpful and summed to be annoyed by our presence. 

I make enough money to purchase the sofa out right, I was offered 6 months no interest if paid in full. I planned to pay for the purchase before the 6 months which I did. 

XXXX XXXX XXXX had me fill out a credit application via their computer. 

The sofa I purchased was on sale from XXXX dollars to XXXX. I thought the amount was odd, but the salesman confirmed it and the paper work showed a balance due of XXXX. 

The American First Finance had stipulations that the first payments had to be via bank draft, I felt comfortable about it, because I knew I was going to pay it off quickly. WHICH I DID. 

Before my last payment I contacted the company and they had and additional amount, they claim it was for taxes. I told them that taxes are paid and are suppose to be included with the purchase price. I asked them where was this company located, he said XXXX. I told them that I was not going to pay anything more than the purchase price and I have and will not. 

The next day I stopped the bank draft, cost XXXX. I send them a money order with a notation of my original balance, the payments made and the balance, which was what the money order was made for. They received it they cashed them. 

I also contacted XXXX XXXX XXXX 's Corporate office via email from their website. I've contacted them by phone, to this date they never contacted me. I've spoken to management at their furniture. THEY FEEL THEIR INVOLVING ME WITH A PURCHASE SCAMM IS NOT THEIR PROBLEM. AS FAR AS I AM CONCERN AMERICAN FINANCE IS RUN BY CRIMINALS AND XXXX XXXX   MADE THAT POSSIBLE
Product: Credit card

I applied for a Citi Bank XXXX XXXX in XXXX of 2023. It had an offer of XXXX travel points after spending {$3000.00} within 90 days of opening the card. I did just that and decided to bank my travel points until I needed to buy plane tickets later in the year. Citi Bank then closed my card sometime in XX/XX/year> without giving me an explanation even though I had a XXXX balance on the card. They automatically cancelled all my travel points without giving me any grace period to redeem the points. I only found out in XXXX when I was trying to purchase a plane ticket. I called them over 10 times to get an explanation but they said they couldn't disclose the reason for cancelling my card over the phone but they would send me a letter. I received about 3 letters from them but none explained why the card was closed. All they stated was that the account was closed in XXXX and that all my reward points had been cancelled. I called over 10 times to resolve this issue but they refused to let me redeem my points I has earned in earnest. I finally gave up. Those points had a cash value of {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.

I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.

Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
Product: Debt collection

Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me.
Product: Credit reporting or other personal consumer reports

I wrote a letter asking that the old accounts that are closed be deleted, and I also requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together. 
15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.
Product: Vehicle loan or lease

Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been inaccurately reporting on my consumer credit profile since XXXX of XXXX. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off immediately
Product: Debt collection

Saw the amount of {$180.00} said it was owed but this amount has never been verified nor have I received any bill the company is billing me 2 different amounts and can not to this day verify the money owed how can you file 2 amounts for the same bill this is exactly what this company has done its illegal and unverifiable first they said its {$150.00} then file another collection for {$180.00} so what does the consumer really owes this collection company needs to send this back to the company for verification of debt for 2 bills is not collectible for the same bill
Product: Mortgage

Ocwen Loan Servicing is currently pursuing the prohibited practice of " Dual Tracking '' while I 'm being reviewed for a loan modification. Ocwen has scheduled a foreclosure date of XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Certain entries are flawed concerning reporting, with inaccuracies in amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

Collection account from CFSI Commonwealth Financial Systems for {$120.00} listed on XXXX report as original source XXXX XXXX XXXX XXXX. Reported XXXX. Disputed with XXXX to verify that I actually own this debt. Have disputed in the past other reporting agencies removed due to cant verify that I owe this debt but XXXX is still continuing to report it although debt has never been verified with original sources of information reported with the original contract or service agreement with my signature.
Product: Checking or savings account

Wells Fargo Branch in   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  has misused my account by debiting an amount of {$2000.00} without my authorization.
Product: Credit reporting or other personal consumer reports

Hello. I am currently enrolled with National debt relief since XX/XX/year> and they have settled this account with creditor ( XXXX XXXX XXXX ) whom is the owner of this debt per XXXX XXXX XXXX XXXX XXXX. On my XXXX report it is reporting LVNV FUNDING as the debt buyer of the XXXX  XXXX account with original balance of {$6600.00}. This balance is lower being it was a settlement offered by XXXX XXXX for half this amount and is currently being paid on a monthly basis. LVNV Funding is saying they are the debt buyer by placing this on my credit report but XXXX XXXX XXXX is saying they are the debt buyer and is collecting on this debt and that is who my debt relief company is working with in paying on a settlement with them. This is shady practices and I fear being this debt was originally XXXX XXXX and sold to XXXX XXXX XXXX. The debt is settled and being paid to credit control and then once settlement is paid, LVNV FUNDING BEING THEY MAY BE USING XXXX XXXX, which is UNDER A DIFFERENT NAME will try to recollect entire balance again. This is shady practices LVNV FUNDING ALLEGEDLY MAY BE DOING.
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX I tried to connect to my capital one account from XXXX  in an effort to transfer my crypto funds to my capital one account in dollars. Capital one is blocking access
Product: Credit reporting or other personal consumer reports

I received a closed-end installment contract account from XXXX XXXX XXXX XXXX, GA dated XX/XX/2021, which I signed. The original loan amount was {$900.00}, with a finance charge of {$240.00}, which equals {$1100.00}. However, I only received {$680.00} out of the {$900.00} loan on my debit card. This means that someone else received the remaining amount of {$220.00}. I would like to know who. 

I am confused as to why I only received a partial payment of {$680.00}, and still have to repay a loan XXXX XXXX XXXX financed in the amount of {$900.00}. The loan was reported as a past-due balance owed in the amount of {$900.00}, by the creditor XXXX XXXX XXXX XXXX , and reported collection past-due balance of {$1100.00} by XXXX XXXX XXXX XXXX on my credit report at the same time. The loan was reported as past due and sold to XXXX XXXX XXXX XXXX but the reported balances ( {$900.00} and {$1100.00} ) are inaccurate. 

The loan amount of {$900.00} plus the finance charge of {$240.00} does equal {$1100.00}, but since I only received {$680.00}, the reported amount is past-due owed is incorrect. In summary, my loan was only financed for {$680.00} which I received on my debit card from XXXX XXXX XXXX XXXX XXXX, not {$900.00}, and the reported balance of {$900.00} reporting inaccurate past due balance owed on my Experian credit report is inaccurate. The correct balance past due owed is {$680.00}, which I received out of the financed loan of {$900.00}.
Product: Mortgage

I initially called AmeriHome Mortgage Company in XX/XX/XXXX to inquire about how to submit proof of homeowner 's insurance and make a payment. At that time I found out the company no longer had my Homestead Exemption on file. This began the process of back and forth conversations which has led to my complaint today. I was able to confirm with XXXX XXXX that my Homestead Exemption paperwork was sent to XXXX in XXXX. I was able to resend the verification letter from XXXX XXXX to XXXX and confirmed they received it on XX/XX/XXXX, when I spoke with a rep on XX/XX/XXXX. However, I saw on the Amerihome website that an escrow analysis was ran and starting in XX/XX/XXXX, my mortgage amount was set to increase to {$1500.00} ( it is currently {$1400.00} ), The rep from Amerihome said to call back the following week, and by that time they should have my account updated, with the Homestead Exemption being accounted for. Rep also said a new escrow analysis would be ran showing the correct mortgage amount, which should be less than {$1400.00} or it would be the same. I called back the next week and no changes had been made, and the Homestead Exemption had not been updated on the records to reflect my mortgage payment amount. I requested to speak with a supervisor after reaching a rep name XXXX and she transferred me back into their call que. I called back and spoke with another rep named XXXX and she said she'd take my info and have a supervisor call me back. No one ever called me back. I called today and explained the situation to rep XXXX and asked for the names of management in the company. She said she couldn't provide last names and initially didn't want to give me anyone 's name but said XXXX was her supervisor. I asked for the person over their department and she said XXXX. I again asked for a supervisor, and XXXX also dropped my call back into their call que. I again called back and reached XXXX, who said there was a " work order '' to have another escrow analysis for my loan, but it wasn't going to be processed until XX/XX/XXXX. She confirmed the Homestead Exemption paperwork had been previously received, and she acknowledged that Amerihome had mailed me a statement showing my mortgage amount would be increasing, even though they now had proof of my Homestead exemption. She also acknowledged when I stated I had paid {$3000.00} to put into my escrow account to repay my homeowner 's insurance amount and an additional {$360.00} but they couldn't tell me why my mortgage was showing on their website as {$1500.00} starting XX/XX/XXXX. I told her that I would be filling a complaint because Amerihome is refusing to process my Homestead Exemption. I have paid taxes each year since closing on my home in XXXX, even though I should have Homestead exemption. My mortgage amount has increased each year as well.
Product: Credit reporting

My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX. Please remove from credit report as soon as possible. This is causing problems with my reports being reported correctly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held the mortgage on my brother 's home. The mortgage payment was deducted from his credit union account monthly. Without any notification, XXXX stopped withdrawing money in XX/XX/2022. In XX/XX/2022, XXXX " sold '' the mortgage to Specialized Loan Servicing ( SLS ). Neither XXXX nor SLS contacted my brother to advise him of the change. 

In XX/XX/2022, I called his credit union to ask some questions about his mortgage. They told me they no longer paid it and suggested that I call XXXX XXXX. Because I am not on his account, XXXX XXXX could not give me specifics but the rep gave me a number for SLS. On XX/XX/2022, I spoke with a rep who said the loan was in default since nothing had been paid since XXXX. I sent a personal check to SLS for {$3300.00} to cover the XXXX through XXXX mortgage. The check was deposited into a XXXX XXXX Bank account. When I called SLS today ( XX/XX/XXXX ), the rep told me that they had not received the check and I should send a copy of the front and back of the check to customer.support@sls.net and then call him back on XX/XX/XXXX to see whether the check had posted. 

I believe XXXX purposely stopped collecting the monthly mortgage payment so that my brother was shown as defaulting on the payments and they could turn that account over to SLS, which is a collection agency. The terms of the mortgage are not supposed to change when a mortgage is sold but his rate went from 3 % to 7.75 %!!
Product: Credit reporting or other personal consumer reports

XXXX removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report my credit immediately Equifax Removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report Immediately