23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi my name is XXXX and I have recently fell into the hands of Carrington Mortgage Services. This company has misused charging my account multiple times ( 4 ) in the same day resulting in my account to be put into a certified payment status. The company then proceeded to report my account past due for the months of XXXX and XXXX of 2023. I completed my XXXX payment and then the XXXX payment on time with autopay set up. My account information is showing my payment was reversed 3 times before it was complete. My current dispute says the company reported both months 30 days past due now. I dont know what to do.
Product: Checking or savings account

I contacted Chase about unauthorized transactions on my XXXX account and my XXXX account Transactions that were made in XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. 
some of the transactions were Reversed but they are refusing to return the other half. we did provide all the information to proof that I was located in XXXX at the time when the transactions were being made in XXXX. 
Someone was transfeering money from my personal ( {$4000.00}, {$3600.00}, {$2000.00}, {$2000.00}, {$1000.00} ) account into my XXXX account and then using a card making ATM withdrawals ( here they were making purchases at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC. ), I have downloaded all the bills from the withdrawals and there is written transaction denied and even like that they were able to withdraw the money from a ATM. I have included here the proof of all the transactions of XXXX $ that were made and the routing number is not correct, after every single transaction of XXXX $ there is a XXXX $ ATM withdrawal that as you see it is sayimg denied. 
I just contacted the XXXX department and they told me that the claims were closed. Since I am dealing with them from the beginning I had the impression that this is a insider using peoples personal info. All the time when I was calling them all I heard from them is that it is my fault that this happened to me, they didn't block my card as I asked them so many times All I need is my money back.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 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 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 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

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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Please fix
Product: Credit card or prepaid card

I received a check in the mail from Department Stores National Bank ( DSNB ) issued by Citibank for {$130.00} dated XX/XX/19. It has Macy 's logo and address of XXXX XXXX   XXXX, XXXX XXXX, SD XXXX in the upper left hand corner and refers to a 4-digit " Account ending in '' Macy 's account number that I had to close years ago ( stolen wallet ). The letter states " Action Required! '' and " Discovered that a credit is due on your account. Attached is the check for the amount of that credit ''. The check is not watermarked. 

I see that there was a settlement between DSNB, Citibank and Macy 's but I don't know how to tell if this check is a legitimate payout from the settlement or a scam. There's a reference number ( # XXXX ) on it but not sure what it means. There's a phone number on the check XXXX but I thought I should call Macy 's. Macy 's   said they knew nothing about it. I looked up the number on XXXX and it appears to be Citibank 's but I just don't trust anything on the Internet in regards to these things because I have seen quite elaborate schemes. 

Anyway, I hope you can help me in determining if this check is legitimate. 

Sincerely, XXXX XXXX
Product: Credit reporting

I filed a dispute online with Experian regarding the information being reported by XXXX. I disputed the high limit amount which is incorrect along with the number of late payments. The date of XXXX delinquency was XX/XX/XXXX. I received notice that the investigation was complete and the account was updated with " disputed meets FCRA ''. I did not receive any proof. Experian also changed updated this item and changed the date it would be removed to XX/XX/XXXX. They have added 3 years to this date. A dispute does not change the date of first delinquency and this re-aging of this debt is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE INACCURATE INVALIDATED ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT DISPUTES IN THE MATTER BUT THE CREDIT BUREAU IN QUESTION DIDNT EVEN NOTIFY ME THAT THEY RECIEVED MY DISPUTES ASI SENT THEM CERTIFIED IN WHICH THEY DEFINITLY RECIEVED THEM. UNDER 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE INVALIDATED CREDIT INFORMATION ALSO THIS INFORMATION NEEDS TO BE REMOVED UNDER 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY.
Product: Credit reporting or other personal consumer reports

These inquiries were made to my credit report without my knowledge, authorization, or written consent ( wet signature ) and I want them remove immediately.
Product: Vehicle loan or lease

I called and requested a payment extension on both of my loans with XXXX. The first one on my primary vehicle was processed no problem. I was even able to sign the payment extension through a secure website and within 2 minutes. The next vehicle not so easy - I was told that since I went through a contact center in XXXX, TX that they did not have the capabilities of doing e-sign. I requested that option because of the ease of use and that my situation was quickly resolved in that manner. I then was told that they could fax the document to me ( which I dont have a fax ) or that they can mail it to me. I chose the option for them to send it to me via US Mail. Upon my receipt of the document ( mind you the same one that they could not email me ) I signed it and followed the instructions at the bottom of the agreement to fax or mail ( which I mailed ) a copy to them and to keep a copy for my records ( which I have a copy of the document ) the document that I signed and returned via US Mail. Come to find out my account is now almost 60 days behind because they stated that they never received the document at the address in which they provided as a good contact address for this transaction. I called and spoke to a XXXX who said that I should have called to confirm that the document was received. The document does not state anywhere on it that I should follow up to make sure it was received as that was not a condition that was stated in writing that I should follow to make sure that it was received. The representative then transferred me over to a supervisor who stated pretty much the same thing and seemed to insult my intelligence all in the same interaction. I think that if mailing was an option that was stated as a viable option to assist in this matter and I did everything that was requested of me to sign, return and keep a copy that my original agreement should be honored and that I as the customer should not be penalized for a lack of receipt on their end -especially when e-sign was offered before.
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 XXXX XXXX XXXX. 

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

I am disputing the account listed under AMSHER COLLECTION SERVICES with the account number : XXXX. This account states that I have a debt for which I did not sign a contract, and I have no knowledge of this account. Therefore, I am requesting that this account be immediately removed from my credit report. 

Applicable FCRA Violations : This collection may potentially violate the Fair Credit Reporting Act ( FCRA ), particularly the following sections : 15 U.S.C. 1681e ( b ) : Reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information being reported. If this debt is not mine, its presence on my report reflects a failure to ensure accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : When a consumer disputes the accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days and promptly correct or delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits furnishers of information, such as collection agencies, from reporting information to credit reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXXXXXX  Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN XXXX
Product: Credit card or prepaid card

Attention Mr XXXX XXXX : Today I called into Barclays XXXX customer service and inquired as to having a hold released from a payment that was made 2 days prior. I needed to have funds made available immediately as I had automatic bill payments coming to this account that wont be paid. The payment was for {$5100.00}. Ive had this account open for a year and they still continue to inconvenience me by holding my ELECTRONIC payments. Ive paid over {$15000.00} to this account this month. Ive never had a late or returned payment. This is unacceptable how Im being treated! This has happened several times before and they would usually call over to my bank XXXX XXXX, verify payment posted with them and immediately make funds available. Today, I spoke to a condescending representative named XXXX who refused to resolve problem in any way. I was denied to speak with their credit department. After repeatedly asking to be transferred to someone else, I was transferred to a manager Mrs XXXX  who when asked, didnt know who the president of this bank was. This is hilarious! A manager who doesnt know the President of the company that she works for. Ive attached a screenshot showing payment already posted to XXXX XXXX  account.
Product: Money transfer, virtual currency, or money service

I requested a refund for a purchase made with Paypal. Paypal stated that they refunded the amount to my credit card. That amount has never appeared. I have called Paypal and my bank. My bank has no record of the money and Paypal has stated that they returned the money. I have been hung up on by Paypal in an attempt to contact them. Paypal states that it refunded on XX/XX/2021 for an amount of XXXX. I have no amount credited to my account.
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX Thankyou points once I 've made 2 bill pays and added XXXX $ in my accouunt. More details here for the offer ( code:XXXX ) : XXXX I completed all the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. Plus I was also confirmed by XXXX reps on a phone conversation that i should be receiving it soon. It has been over 4 months and I still have not received my miles.
Product: Credit card

XX/XX/XXXX, XXXXXXXX XXXX I paid off my Target Circle credit card online XX/XX/XXXX, I was told my payment would update in XXXX to XXXX hours XX/XX/XXXX, I was told my payment would reflect in XXXX to XXXX hours XX/XX/XXXX, my payment was debited through the ACH network from my bank XX/XX/XXXX, when I called to ask when the available credit would update, the representative could not give me an answer XX/XX/XXXX, I was told they could see my payment was made and it should be XXXX to XXXX hours before my payment is updated with available credit XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX XXXX, payment is showing made, but available credit is still not updated. 
It has been 10 days since the credit card was paid in full and the available credit is not reflecting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.
Product: Checking or savings account

charge me for too test only wanted to pay for one. Never took the test.
Product: Credit reporting, credit repair services, 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting

Hi I had inquiries that are on my credit report. All my inquiries were all removed from all XXXX CREDIT BUREAUS. Transunion, XXXX and XXXX ... They removed all inquires up to XX/XX/2017 and placed back on with in a week due to system glitch this against my rights ... They have affected me purchasing a home because the inquiries dropped my credit score
Product: Debt collection

Lvnv funding LLC is claiming I owe {$1600.00} for a debt that I have no knowledge of I have sent them certified letters starting the first one sign for XX/XX/XXXX to validate this debt and they have yet to send me anything bearing my signature they sent me an itemized bill or something or another on that lines very very fine print that I don't believe that's acceptable is to verify they have not sent me anything and it's been over 30 days I want it removed from my credit report the other letter that I sent them they signed for on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was making a purchase at the XXXX XXXX location in XXXX, VT, XXXX. A cashier named XXXX told me I was signing up for a rewards program and that my ssn was needed for " security reasons. '' About half an hour after leaving the store, I realized that I hadn't had my guard up, and had been scammed into signing up for a credit card, that I might not ever receive, and that, despite the appearance that I had paid for my purchase up front ( i had swiped my debit card to make the purchase ), in fact, I had been scammed into assuming debt for my purchase, that I would likely never be prompted to pay until I would hear from bill collectors and see it on my credit report. If this isn't illegal it should be, and regardless, all consumers should be aware of this shameful practice.