23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I placed on online order with XXXX using their credit card for a cell phone. They sent me an email stating that my item had shipped and that I would receive my item by on XX/XX/XXXX by XXXX. However, a few hours later XXXX sent me an email stating they could not deliver the item to me on XX/XX/XXXX because only the shipping label had been created and they had not received the cell phone. I called XXXX to confirm this. I emailed XXXX customer service and called a Mr XXXX in the Escalations department as well. At first, everyone I was dealing with kept insisting the item had shipped. Mr XXXX " looked into it '' and finally agreed the item had not been shipped. However I was charged {$870.00} when I placed on the order on the XXXX. In light of this, I asked if he could just arrange for me to pick up the item as their main store is a few blocks from me. He stated he could call me back. Then, I began getting emails from XXXX XXXX in Customer Service. She advise me that the item I wanted was out of stock and asked if I wanted to wait for it or cancel the order. I responded that I wanted to cancel the order. Then she wrote back that item had shipped and she could not cancel. How can an out of stock item be shipped? We went round and round and I kept insisting the order be canceled and the charge be taken off my account. She finally agreed and said they would honor my request for cancellation. She asked for some information and I never heard from her again. I attempted to reach her two more times but I was ignored. In the meantime, I was still speaking with Mr XXXX. I had asked repeatedly for my order to be cancelled. He started promising to call me back but did not on two occasions. The last time I spoke to him on Friday XX/XX/XXXX he suggested I drove 20 miles to another store location and pick up the phone. I got very upset, explained I do not drive and did not want to do that. I again asked for the charge to be taken off my account. His entire demeanor changed because I didn't want to do what he wanted me to do. I again asked for the charge to be taken over by account and an email confirm this. I asked that it be done by close of business to which he agreed. It was not done. I checked with XXXX again and found that XXXX cancelled the shipping label. Yet the {$870.00} charge still sits on my account. I even gave them a few days to comply before filing this complaint. I have documentation to substantiate this entire account of what happened. I have no faith in them as an ethical business anymore. I have been in good standing with them and deserved far better treatment than this.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of yourWillful disregard of Federal Law. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 
You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount___ $ XXXX
Product: Debt collection

Attempted twice now to dispute the amount but company just sent the same notice that they intend to sue if the debt is not paid. Made a payment on the account and filed a complaint with Consumerfinance.gov as they will not allow me dispute violating the Fair Debt Collection Practices Act. Received another letter following the report that another payment is required or they plan to send to an attorney which I believe is retaliation to the complaint as I already Made a payment this month on the XXXX while I was attempting to dispute.
Product: Debt collection

I found out about this debt when served with papers saying I was being sued by Med1 collections. The papers were served on XXXX XXXX 2015 with a court date of XXXX XXXX 2015! I work as a XXXX, I called when I could but Med1 would deflect my attempts to try and figure this out. I have a gentleman working on my credit and finances. I signed a power of attorney and asked him to get the information. He sent the " lawyer '' for Med1 a letter ( attached ) asking for paperwork to validate the debt so we can see what this is and if it is correct work out a settlement. The " lawyer '' says he has the paperwork but refused to give it to my representative since he was not a lawyer. He said the only way to get the paperwork is for me to call him. I do not want to call a debt collector and get bullied. I should not have to.
Product: Bank account or service

I wanted to state that my experiences with Citizens Bank have been ongoing practically since the time I joined in 2011. Three areas of concern entail not establishing a set normal withdrawal limit as well as an overdraft limit ( resulting in unnecessary charges ) and transitioning from just an NSF fee per occurrence to including a XXXX sustained fee then to a XXXX sustained fee charged in XXXX intervals totaling XXXX. Your assistance would be greatly appreciated in establishing a set policy instead of having the bank make changes without notifying consumers in advance. 
Thank you, XXXX XXXX Customer account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX  STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Product: Credit reporting or other personal consumer reports

Kindly take the time thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter greatly appreciated.
Product: Debt collection

LVNV Funding Llc purchased 2 debts from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amounts of XXXX and XXXX. The debts were last paid on XX/XX/XXXX and now are beyond the statute of limitations for credit report filling in the state of California. To keep the debt posted ( illegally ) lvnv listed them as debts started XXXX XXXX XXXXXX/XX/XXXX effectively reaging the debt. I have requested they remove this old debt from my credit amd it has been denied twice. I can prove the debt is old i have exact dates from the last payment and the original company information but i have no way of recourse against them because the credit bureau will not lift a finger to investigate the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/ I contacted XXXX XXXX XXXXXXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to XXXX, Transunion, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that the item being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to deposit XXXX all XXXX XXXX XXXX  bills into my checking account at the ATM. The ATM cancelled the transaction and retained my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from my credit report.
Product: Bank account or service

Bank of America has placed a Hard Inquiry on my Equifax report without me giving them permission to do so.
Product: Credit reporting or other personal consumer reports

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Rushmore DBA as Mr. Copper has repeatedly reported incorrect credit reporting on all XXXX bureaus about my credit with them. From XXXX to XXXX this account was under investigation, constant dispute with payments and I currently have an active civil case with this company. All credit reporting should be " XXXX  '' they reported 120 days late in XXXX and XXXX incorrect as they received {$3500.00} payments for months XXXX, XXXX, XXXX and I have reported as incorrect and disputed it, all other months bear XXXX  as shown. 

Company should correct this my score went from XXXX to XXXX and now XXXX very low. There was no late payments EVER, payment was made as agreed under loan modification partial payment as agreed. Why is XXXX, XXXX, XXXX, XXXX reported as XXXX  and just XXXX and XXXX reported as 120 days late each month incorrect! This company does not do anything with fiduciary duty in mind very vindictive company. Please correct remove all late payments from all XXXX credit bureaus as information is incorrect.
Product: Credit reporting

XXXX XXXX XXXX submitted the claim without going undergoing the prerequisite legal procedure. I have since obtained a release for the garnishment on this case the case is in trial stage. Attached is a copy of the 'release of garnishment or attachment '
Product: Checking or savings account

I tried to open a checking account ( XXXX ) with US bank. However they called and asked me to provide documents to show i'm here in the US legally. This is not a legal requirement. Banks often ask to provide documents to verify identity, which i'm happy to provide, but consumer 's do not have to prove their legal status. 

I find US banks practice discriminatory and against law.
Product: Checking or savings account

In several occasions. With outstanding balance on my account. Cred.ai will post insufficient funds to my credit cards when I attempt to make payments. In consequence, with this other company 's I'm getting reported to credit bureaus and with nsf codes and fees. While this cred ai bank has my money. Cred. Ai keeps messing up my report. Customer service hangs up on you or don't answer at all. Emails get ignored. And when I asked for a dispute a manager or cfpb phone number on a recorded line the representative stated she couldn't assist and hung up the phone. Worst desicion of my life
Product: Debt collection

portfolio recovery placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called flagship and have not received a straight answer as to why my account shows 90 days past due. Shows my last payment to be XX/XX/XXXX. I have filed disputes with transunion. I filed a complaint with the BBB and my account was current for a week and then it was reported back to 90 days past due. These past due payments are affecting my credit score. I have been making payments and Im actually payed ahead by about {$200.00} dollars. I continue to file disputes and nothing changes and I dont know why? If you look at the payment history nothing for XXXX is updated.
Product: Debt collection

My checks are being garnish by a debt collector. I have never received anything in the mail for a court date. I have no knowledge of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$3400.00} XXXX  XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX  XXXX {$8000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX  XXXX {$110.00} USDOE/XXXX  XXXX {$1400.00} XXXX  XXXX {$93.00} XXXX  XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) to be incorrect : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting invalid account information on my Credit report. Multiple attempts was made to validate the account but has failed to produce the documentation. When disputed the incorrect reporting via credit bureau, I get credit report from the company and no investigation being conducted. The XXXX Bank XXXX is being reported as Derogatory and late payment. 


XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received an email from Mr. Cooper Mortgage Lender letting me know that my home loan from XXXX XXXX had been transferred to Mr. Cooper effective XX/XX/XXXX. The email itself contained a sentence in bold letters that read, Rest assured, the terms of you loan remain the same. The terms of my loan, when it was transferred to Mr. Cooper was to have Fixed Interest, no Escrow Account and no Homeowner 's Insurance. 

In XX/XX/XXXX, I received a letter from Mr. Cooper saying that I owed my homeowners insurance. On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own insurance. 

On XX/XX/XXXX, I received a letter from Mr. Cooper saying that there was a twenty-eight-cent shortage on my escrow account and starting XX/XX/XXXX my New Mortgage Payment would increase by ten-cents. 

On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own property taxes however they couldnt help me over the phone? I was asked to email the Escrow Specialist at XXXX On XX/XX/XXXX, I emailed the above link, I explained the situation and asked to have the new projected escrow removed ( it's been over 30 days and I haven't heard back from them ). 

I recognize that a ten-cent difference on my mortgage is pennies on the dollar. Non the less, Mr. Cooper Mortgage Lender is breaking the terms of my loan regardless of the amount. I don't owe that mortgage company a penny more that what the terms of my loan are. If this mortgage company can break the terms on the loan of person who Does Not have an escrow account, it make me wonder how much more they are charging customer who Do Have an escrow account? 

In XXXX, California Attorney General XXXX XXXX reached a settlement against Nationstar Mortgage, which does business as Mr. Cooper because the mortgage servicer engaged in unlawful practices. Loan modifications was among the unlawful practices. This settlement was supposed to send a strong message that excessive fee or the harmful practices were not going to be tolerated. Im not sure that Mr. Cooper Mortgage Lender has changed their ways.