23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A forex Trader by the Name of XXXX XXXX ; sold me services as a professional trader. She assured me that my money {$3000.00} would be invested with an incredible return on investment. She had me sent her the money via check to her account with Bank of America. As it turns out it was a scam operation. The checking account belonged to a different person. Once the check was cashed " XXXX XXXX '' disappeared and was no longer available. 

My check went from my checking account at XXXX XXXX  on XX/XX/21 to XXXX XXXX at Bank of America : Routing NumberXXXX Account Number : XXXX As it turns out the account belongs to a " XXXX XXXX '' I have reported this to my institution XXXX XXXX XXXX XXXX I would like Bank of America to be aware that this individual is scamming people. Please assist in recovering my money. This was additionally reported to ic3
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter certified to company they didnt reply back at all. Company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Letter sent certified on XX/XX/2018 current date XX/XX/2018. tracking number XXXX us postal service
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold this account to XXXX XXXX which are 2 accounts that does not belong to me. I called XXXX only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is these accounts not mine but XXXX XXXX is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX and XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved. I have been living at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX for decades until moving to XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XX/XX/2017 to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to dispute an address that do not belong to me. I have never lived at the address being reported. Experian will not remove the address because it is attached to an account. An account that contains inaccurate information. I would like supporting documentation of the decision being made to determine this address belongs to me, if this information can not be provided please deleted this address XXXX XXXX  XXXX XXXX. XXXX, TN XXXX.
Product: Debt collection

On XX/XX/XXXX I checked my XXXX XXXX account so I could pay a bill. I noticed that there was XXXX taken from my bank account. I attempted to contact the company that placed the hold on on the XXXX XXXX. There was no answer and I left multiple messages. The company is XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX. XXXX XXXX Tx XXXX. On XX/XX/XXXX my husband notified me that XXXX XXXX XXXX placed a hold on our other account that his military retirement checks are directly deposited into. They withdrew XXXX dollars from both accounts on XX/XX/XXXX. This made the XXXX account negative of XXXX dollars. At this point I contacted XXXX XXXX in which I live and they had no record of a judgement. I then called XXXX XXXX where the XXXX XXXX XXXX XXXX is located and they had no record of a judgement. I then called XXXX XXXX where I resided until XXXX and found a judgement that I was not aware of. I was only aware of a judgement that was satisfied when my house sold in XXXX. I was never served for a debt. I then called Portfolio recover and they stated that they tried to notify me and provided the wrong address and phone number. The phone number was not recognized. They then told me I have to contact XXXX XXXX XXXX. On XX/XX/XXXX I found a local number for XXXX XXXX XXXX and spoke with a legal assistance ( can provide name if needed ). She then told me I could make payments of the full amount or I could pay XXXX. I told her that I was not aware of any debt. She then sent me a charge off notice. I told her the amount is now XXXX and I am not sure how I owe them and would like a complete verification that this is my debt. The state of Texas has a statue of limitation of 4 years. XXXX XXXX XXXX took XXXX cents from my accounts. Once account has military retirement funds and the other account has a XXXX XXXX directly deposited.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Please review what was removed from My XXXX XXXX report because of fraud and can you please update and remove the items from your bureaus. 

XXXX XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX/XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXX, XXXX and Experian refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from Experian, XXXX and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership According by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Accounts : 1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX  3.XXXX XXXX XXXXXXXX 4.XXXX XXXX 5.XXXX XXXXXXXX 6.XXXX XXXXXXXX 7.XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX 8.XXXX XXXX XXXX XXXX-Account:XXXX 9.XXXX XXXX XXXX XXXXAccount:XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm victim of multiple identity thefts. Recently I discovered more credit inquires I don't recognize from XXXX credit report. The inquiry records shows AFFIRM did inquiry on XX/XX/2023. I called AFFIRM and talked with a representative for fraud. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I requested that the company provides me copies of business records relating to the fraudulent credit application that used my name. However, the representative indicated that they can't provide any copy of fraudulent loan application although they have a record. A copy of fraudulent application is an essential part of law enforcement investigation.
Product: Checking or savings account

People getting bank accounts in my name without ID I guess because I just got new ID found out someone used info opened accounts without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 XXXXXXXX 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: Mortgage

When my loan was transferred to Ocwen the balance on my loan was increased by nearly {$25000.00} with no reason. 
Ocwen told me that is the balance they were given when they took over my loan. 
I asked for proof but they said they had no way of getting the history on my loan since the other mortgage company was closed. 
How can they do that? Should n't I be able to get the history on my mortgage? 
I know that the loan on my House is transferable but I should be given something other than here is the new mortgage company & where to send my payments. 
Ocwen Mortgage has never been helpful on this matter and I do n't know what to do!
Product: Debt collection

I have requested debt validation from Franklin Collection Services for a medical debt of {$210.00}. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not gotten a response. This debt is not owed by me. There is no contract shown that I owe this debt.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPROPER USE OF CREDIT REPORTING.
Product: Student loan

received a payment request from Ed financial services. Have not had a loan with them in over XXXX  years. My loan was paid in full XXXX  years ago. Tried to email and was blocked. The number also does not give a customer service rep. This is fraudulent activity. This needs to be dealt with immediately
Product: Student loan

When I first started paying back my loans in   XXXX   Navient stated my payment would be {$150.00} a month. When I received my first bill in  XXXX  of     XXXX   my first payment was actually {$170.00} dollars. They also stated I was enrolled in a program where I would pay for 120 months. Turns out, Im not enrolled in that program. They state I make too much money to be on an income driven payment program and that is why my payments are {$170.00} a month. But oddly enough, I have two other loan companies, My   XXXX   XXXX   and  XXXX   XXXX   XXXX  and I am on a repayment income driven plan with them. If all loan companies are supposed to follow the same guidelines because they are overseen by  The  Department of Education then why am I not qualifying for income driven with  XXXX . I work for a non profit organization and do not make that much money. It is difficult to stay afloat when I have to pay my student loans on top of the rest of my bills. The other two companies have made it easy to pay/ Navient refuses to enroll me in the income driven program
Product: Mortgage

We have XXXX mortgages with Specialized Loan Services. They have incorrectly transcribed the address of XXXX of the mortgages, and shows in their records as the same address as a different mortgage. We have been trying to get this corrected for XXXX XXXX years and are now and still not getting their attention. We are supposed to closed on a refinance of this property TODAY and despite numerous calls from the lender, the title company, and is they will not make this change so We are looking to have to postpone closing due to their inefficiency or Ineptitude and this is just unacceptable. We should not be paying the price for their mistakes and poor customer service.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and neglecting to adequately inform consumers of dispute outcomes. My experience aligns with these allegations, as Experian has not corrected or removed the disputed items on my credit report despite the evidence I provided. This ongoing failure has caused significant harm to my credit standing. I am requesting immediate corrective action to amend or remove the disputed accounts, as Experians inaction violates federal law and infringes on my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I reached out to all XXXX of the Credit Bureaus in regards to unauthorized and fraudulent credit inquiries made by various of companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 card or prepaid card

PayPal credit does not allocate refunds from the original purchase for a Special Promotion. Instead, refunds can be applied to any Special Promotion or any revolving balance.

I have a Special Promotion the expires in XXXX that still has a balance due, even though the entire purchase was returned. Instead of applying the merchants refund to that specific purchase, the refund was allocating toward another Special Promotion, not even the same merchant, that is not expiring until XXXX. 

This is only one example, this happen consistently with PayPal Credit. Making it virtual impossible to pay off any Special Promotion in a timely manner. They also do not allow a consumer to request ahead of time where they want those refunds allocated. 

I have found that many merchants that offer these type of promotions, have set these payment systems up to deceive, confuse and ensure the banks will receive the most amount of money possible with no regard to the consumer.
Product: Credit reporting or other personal consumer reports

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me XXXX XXXX and I implore you to promptly correct this error by removing it from my account.
Product: Credit reporting or other personal consumer reports

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
HUNTINGTON MORTGAGE CO XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Product: Checking or savings account

I am a US Bank personal and small business banking customer and have been for about XXXX year. US Banks overdraft fee scheme was extremely aggressive when I XXXX  opened accounts with the bank. The institution would charge a {$36.00} fee if an account was overdrawn as a result of pending transactions. Within the last year, the bank has altered its approach for personal accounts and now provides a XXXX business day window to cover an overdraft, although the process is still triggered by pending, and not just posted, amounts. The banks approach on the small business side has not changed, however, and the institution continues to immediately charge overdrafts with no recourse on accounts that it considers overdrawn even if the overdraft was the result of a pending charge. I have brought this matter to the attention of many employees at the bank, all of whom tell me that nothing can be done although in most cases, the employee will reverse the charge. Calling is an obvious hassle and should not be necessary.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I contacted Hauge and Associates via mail sent XXXX XXXX 2015 requesting validation of debt. I askfor them to send me back the requested information within 30 days of receipt. They never sent me any information, and rufused to validate, however they update the credit bureaus on XXXX XXXX. 'Account information disputed by consumer, meets FCRA requirements '. It is my right to be givin proff the debt is mine, and it is unfair that they continue to be unresponsive to my request.