23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was recently released from XXXX XXXX  and I made a XXXX XXXX account and noticed a number of accounts that were not mine. I have been in and out of XXXX since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was XXXX  according to the dates the accounts were opened so I contacted all three bureaus verbally and in writing I submitted evidence of my XXXX a police report, and an identity theft report, along with my ID showing I am indeed XXXX XXXX and that the dates of these accounts could not be mine due to my XXXX I requested per 15 U.S. Code 1681c2 that the items be removed within 4 days and that the creditors be notified it was identity theft. They responded saying Valid. I then requested proof of the investigation because there is no way it was valid. I requested copies of applications, Identification, signatures and anything else associated with these accounts as well per 15 U.S. Code 1681d and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX My Police Report Tracking number is XXXX I also submitted the same items attached to this complaint via mail with my disputes.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update this account in my credit profile which appears 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous letters to XXXX, XXXX, and Transunion detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. Equifax is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, XXXX  and Equifax are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor that was listed on my credit report to inform the company that this account doesn't belong me, nor have I authorized anyone to use my information for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with Midland Funding LLC on several occasions requesting validation with my bearing signature due to I do not recall any accounts with them. I looked back at my credit report XX/XX/XXXX and another report for XXXX and both of them listed consumer disputes this account information. I also verified the license for Midland Funding LLC on the state of TN The Department of Commerce and Insurance. They have not had license in the state of TN to collect debt since XX/XX/XXXX therefore they do not have the right to collect from any consumer in the state of TN. Also from looking at my credit reports it looks as if they are reaging the account cause when I look at report from XXXX it shows first delinquency was XX/XX/XXXX and the report for XX/XX/XXXX shows XX/XX/XXXX.
Product: Debt collection

I have been tracking my credit report and after reviewing the information, I noted that inaccuracies have been placed by Sunrise Credit services again on my credit report regarding the original creditor, XXXX XXXX XXXX. The incorrect accounts are adversely affecting my credit report. I have contacted your Sunrise Credit via phone 3 times and by letter, yet Sunrise Credit service has yet to respond. For the record, the following information is being erroneously included on my credit report, which I repeatedly advised XXXX XXXX XXXX and Sunrise Credit Services of inaccuracy of the collections being reported. Lastly, Sunrise Credit services are reporting to the credit bureaus weekly, as a NEW collection by via Sunrise Credit services. 
Here are the factual items in which I am disputing : 1. Incorrect date of past due services 2. Incorrect amount of past due services XXXX. Multiple INCORRECT phone numbers that were never used on my account- See attached copy 4.Re-insertion of incorrect information, AFTER it was corrected when it was sent to a previous debt collector : ( XXXX & XXXX ) - See attached copy I have attempted over 8 phone calls to XXXX XXXX XXXX  customer service , 2 with XXXX and & XXXX, and 3 phone calls to Sunrise creditor to resolve the issue. In 2021, XXXX XXXX XXXX held me on hold over 45 minutes with 3 of 8 calls, ending with no representative taking the call, then left with an automated message about due to XXXX. Each time discussing my concerns with XXXX XXXX XXXX collection and fraud services ; I was advised of various justifications, included : 1. Our company uses advanced billing and when you terminated services in XXXX 2021, it sent an advanced bill, in a system error 2. We can not verify your account because you do not have a 4-digit passcode* that I used from 2021. I requested the passcode to be reset, and I was advised no, and there was nothing else that could be done if I didnt have the 4 digit passcode. 
How can my account be verified and information discussed if XXXX XXXX XXXX  will not provide the on-going historical incoming calls that I have made disputing this information 3. The balance the XXXX XXXX XXXX reported is different from the collection agencys amount. 

Additionally, I have filed disputes with all 3 major credit bureaus ; without success. I have exhausted all the attempts for resolution and correction of this matter over the past 12 months. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 
I have attached my legal identification card, as well as a recent copy of my mail for your verification. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

Hi, this is the second time I am getting charged interest incorrectly. I fully paid every promotional balance due and am still getting charged interest. I need the credit card company to remove this from my account immediately. Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX XXXX that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported incorrect amount. I attempted to dispute it on Credit Karma and I got no results.
Product: Debt collection

The company is XXXX. I had XXXX for about 12 years maybe more but in 2017 I took my phone into the store to get it fixed however because my contract was over the clerk insisted that it would be cheaper for me to just get a new contract. I said no at first because I was already in the market for a less expensive monthly payment. The clerk was very adamant on how my monthly payment would be way less then I was currently paying. Because I had been with XXXX for so long, I agreed, thinking that I would be paying less. my first months bill was way higher then what I normally paid with the old phone and after 2 more months of high charges. I decided to go back to the store and cancel the contract. Of course when I got there they had a different attitude.. there was no way I would pay less the clerk said and my only option was to cancel the contract and turn in the phone. a couple of month later I started receiving calls trying to collect on the price of the phone and the early cancellation of the contract. The manager of the store took the phone from me but yet they want to collect on a phone I returned ... they want to collect on a contract that was falsely sold, just so the clerk can get a commission. They reported me to the credit bureau. shame on XXXX! they should be reported too.
Product: Money transfer, virtual currency, or money service

I was called by who I thought was XXXX XXXX and was talked about returning an order I had placed. They told me they were going to help me refund the money and had me download an app called " XXXX ''. Because I thought it was an XXXX XXXX I was speaking to I followed what they said and downloaded the app. Once the app was downloaded they told me to give them the access code I did, and it gave them remote control of my phone, at the time I was unaware of this. Once they had control of my phone they opened my bank app the password was automatically filled in because I had face ID enabled. They were able to transfer {$390.00} without my knowledge in a concise amount of time. Once I realized what had happened I immediately contacted my bank and told them the situation. I feel because of the language barrier they had a hard time understanding me and didn't look into the matter as seriously as they should have. I tried calling them multiple times but each time I felt that the didn't properly understand what i was trying to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, Experian, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Product: Debt or credit management

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX There is no debt with this company, and all records and communications were ordered to be MASKED and XXXX XXXX  and XXXX XXXX , apartment manager, violated this order by reporting to leasing agency to XXXX XXXX  my credit due to the fact I took them to court because they altered the payment ledger and tried to extort money from me. The manager for XXXX XXXX apartment altered my payment ledger first for the month of XXXX, I provided proof of payment, then they attempted to use the month of XX/XX/XXXX that I had not paid they and attempted to evict me, I hired a lawyer XXXX XXXX, and we went to court. Both parties agreed to settle out of court, and I was to pay for the months I did not pay rent due to the eviction process, and requested the court to Mask all records. I was making my rent payments and agreed sum and when lease was up in XX/XX/XXXX I attempted to obtain housing, XXXX XXXX had supplied the leasing reporting agency that I had not paid my rent in the amount noted above, which resulted in my being refused housing from several apartments, I paid for applications and deposits. When I found out I reported to my lawyer XXXX XXXX who informed me they broke the California XXXX XXXX order, this action by XXXX XXXX broke the agreement. My lawyer reported this action to the court, there is no record on my credit report form XXXX XXXX or my apartment from XXXX XXXX XXXX XXXX because they broke the court order. I do not owe them money but now XXXX XXXX has reported this to a collection agency to harass me, ruin my credit and make it near impossible for me to obtain housing. I have documents from California Superior court, and proof of altered rent payment ledger. I do not owe any money and have suffered greatly because they wanted to extort money from me using an eviction threat to get money. My lawyer XXXX XXXX had notified California XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX of their breach of court mandated order, thus nullifying any claim they might pursue and leaving them open for legal complications. I informed this credit collections agency, but they are stalking me for money I do not owe, under the guise of move out charges. XXXX XXXX took my deposits ; I have pictures of the condition of the apartment when I left and I left it cleaned. I never received any of my deposit, and now this credit agency is harassing me. 
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Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX, XXXX XXXX XXXX and THE CONSUMER REPORTING AGENCIES letting them know I NEVER opened an account with these company and these accounts are not mine. I have been ignored by XXXX XXXX XXXX, XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file. Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable. Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit
Product: Credit card or prepaid card

My son is in the XXXX stationed in XXXX. This morning I tried to buy him a plan ticket to come home for XXXX. 

Tried 3 times and kept getting a time out due to payment issues. Originally tryin to purchase a flight for {$1100.00}. 

Contacted Apple Card and asked if they were declining payment for some reason and they stated they were not. Which I believed because I was not getting a message stating they were. 

Found a flight for {$950.00} and tried again and same issue. 

On hold with company for hours and they told me Apple was declining payment. I told them Apple was not declining payment. 

Tried a different company and the charge was declined but this time I got an authorization stating was declined and I was able to approve purchase but had to rebuy. Second time it went through. 

Tried to purchase insurance due to COVID issues and my card declined that purchase so many times that I was no longer able to purchase insurance. 

Because my card was declining purchases it cost me an additinal {$200.00} dollars for the flight and I am not insured ( meaning I can't get {$1100.00} if something happens and he can't come home ). The insurance was only about {$98.00} dollars that was declined so many times that my ability to buy expired. 

I tried contacting Apple Card twice about this issue and was ignore both times after message of please wait while we look into this issue. 

My credit limit is {$30000.00} with available credit of almost {$30000.00} this morning before I finally got a charge to go through. I also use this card exclusively. 

I am real upset for the following reasons : 1. I called and was told my card was not being declined when it was.

2. I was on hold/phone for over 5 hours before it was verified that my card was declining the charge.

3. Ticket cost me an additional {$200.00} due to Apple Card declining charge.

4. Unable to purchase insurance due to Apple Card declining XXXX dollar charge even though I authorized it multiple times.
Product: Mortgage

I closed on our new home on XX/XX/2020. The property is located at XXXX XXXX XXXX , XXXX, PA XXXX. The mortgage company we used was XXXX XXXX. XXXX XXXX sold the mortgage to XXXX XXXX XXXX ( XXXX ) the day after the closing. I scheduled an online payment for XX/XX/2020 because my first payment is due XX/XX/2020. I contacted XXXX today XX/XX/2020 to setup recurring payments because XXXX won't let you set that up online, which I think that is completely ridiculous. I was shocked when XXXX told me today that they sold my mortgage to another company called Nationstar Mortgage ( AKA Mr. Cooper ). I told them that I had not received any notice from XXXX or Mr. Cooper regarding a new mortgage company. This is crazy that XXXX bought my mortgage on XX/XX/2020 and then they turned around and sold it less than 2 weeks before the first payment is due. This seems like an orchestrated scam. I told XXXX that I already had a payment setup to XXXX that would need to be canceled. I also told them that I was concerned about setting up my payment to Mr. Cooper. I was told I could cancel my XXXX payment online. I did that and it thankfully worked. But when I called Mr. Cooper regarding my loan they had no record of my loan. I told them I was concerned about my XX/XX/XXXX payment. How can I make a payment to the mortgage holder if they have no record of my loan? They said there was nothing to worry about and whenever everything got processed I could make my payment and no late charges would be applied. I don't believe them. This seems like a scam to try and squeeze me for late fees. I checked out Mr. Cooper 's XXXX score and quite frankly they completely XXXX and this type of scam seems to be their forte. I have never ever made a late mortgage payment in my life ( I've owned 4 different homes ) and I sure XXXX don't want to start now because of a bunch of crooks in XXXX Texas. Please help me get these jerks to send me my loan number so I can setup an online account and make my mortgage payments. I am really concerned about having to deal with these crooks for the next 30 years.
Product: Checking or savings account

On XX/XX/XXXX, I fell victim to a puppy pet scam after sending {$160.00} as a deposit for a puppy sale that I saw on XXXX. I did not realize that such scams existed but I did get a signed contract before the money exchange. There are several parties involved from what I can tell. Unfortunately, I used the Wells Fargo XXXX payment option unknowing that I didn't have protection against scams and frauds such as this one. On XX/XX/2020, I paid XXXX XXXX using the name XXXX XXXX {$160.00} as a deposit for a puppy. After getting very suspicious and a friend telling me about how bad pet scams are, I did a search for pet scams and found that XXXX XXXX 's email was on the list and I fell victim to a fraud. I have several documents of proof and reported it to the Federal Trade Commission and FBI, but Wells Fargo refuses to open a claim, investigate or credit my money back. In the grand scheme of things, this is pennies for Wells Fargo and I've been banking with them for 11 years. For me, I'm unemployed and fell victim or a major global pet scandal.