23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a XXXX  equipment in XXXX  which included a 90 day promotional period trial. This was offered by XXXX with no obligation to purchase if the XXXX was returned within the 90 days. The finance was through Affirm. The XXXX was uninstalled by XXXX XXXX within the 90 days. Because I no longer felt the XXXXXXXX XXXX XXXX  was effective.The contract I signed with Affirm states when the XXXX  was removed before the 90 days no charges would be applied. XXXX XXXX was supposed to inform Affirm to void my contract agreement. The Driver / Technician that uninstalled the XXXX was from a company called XXXX XXXX. I also have a picture of the Drivers ' vehicle whom de installed the XXXX, because the XXXX did not say XXXX XXXX. However I do have a text from the driver stating he was from XXXX. I am not sure why XXXX XXXX never informed Affirm the XXXX was returned. I have a confirmation email from XXXX XXXX that the XXXX was uninstalled by their Technician and returned. After years I discovered Affirm put a charge on my credit report despite me not having the XXXX. I was never supposed to be charged. This is a violation of the contract agreement. 
Therefore, I am requesting the fraudulent charge to be removed from my credit report. 
The original agreement was {$4900.00} if not returned within 90 days However the charge now states {$5300.00}, regardless I never had the XXXX beyond 90 days.
Product: Credit reporting or other personal consumer reports

Account info
Account name
XXXX XXXX XXXX XXXX XXXX
Account number XXXX
Account type
Education
Responsibility
Individual
Date opened
08/26/2011
Status
Creditor cannot locate individual/Never late.
Status updated
XXXX XXXX
Balance XXXX
Balance updated XXXX
Recent payment
-
Monthly payment XXXX
Original balance XXXX
Highest balance
-
Terms
XXXX Months
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I deposited a check into my checking account with US Bank. The check came from an " agent '' with XXXX. The " agent '', stated to deposit the check so then we could pay the photographer, stylist, etc. The " agent '' requested a payment of {$500.00} but I was only able to send {$200.00}, since that was the only available funds made by my bank. The next day, XX/XX/2019, the " agent '' requested {$1200.00} to the stylist. I sent both transactions using XXXX with US Bank. I just received a call from the Fraud Dept. with my bank telling me the check I deposited on Friday was fake. Since the check is fake, the check will be returned. And since the money is not valid, I would be responsible for covering the funds I transferred. That does not sit well with me because I legitimately thought the check was real and the " agent '' was pressuring us to pay the photographer. I contacted XXXX and they have zero fraud protection for their consumers. I requested to file a claim with US Bank but I was told I'm liable even though the check was fake. I am not sure what to do at this point. 

Any help is appreciated. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a line of credit from Care Credit at XXXX XXXX at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$780.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX  XXXX XXXX Owed : {$2200.00} ; According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As a loyal customer, I expect a swift and thorough resolution to any issues pertaining to fraudulent activity on my account. 

It is deeply concerning that despite your assurances, the fraudulent items have not been effectively removed from my account. This not only reflects poorly on your company 's ability to safeguard its customers ' accounts but also exposes me to continued risk and inconvenience. 

I insist that immediate action be taken to rectify this situation, including conducting a comprehensive investigation into how these fraudulent items were allowed to persist despite previous attempts to address them. Furthermore, I request that appropriate measures be implemented to prevent similar occurrences in the future. 

I urge you to prioritize this matter and provide me with a swift and satisfactory resolution. Failure to do so will leave me with no choice but to escalate this complaint to the relevant authorities and seek further recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Incident happened from first time 26 years ago when TransUnion credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including TransUnion, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime TransUnion report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us dept of edXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXDept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/2021 I sent XXXX a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C
Product: Payday loan, title loan, or personal loan

I am the merchant in this complaint. The bank offered my client a 12 month ( same as cash ) line of credit to make a purchase. The client made the purchase in XX/XX/XXXX. At the end of the 12 month term, the client was charged fees and interest by Alliance Data. Over the course of the next several months, the client disputed it with Alliance Data and called us to find out if there is anything we can do. Alliance data contacted us and asked for the client 's signed CBC receipt. We did not have it since the request came approx. 23 months after the receipt was signed. Alliance Data communicated that if we did not provide the signed CBC receipt that the I ( merchant ) could be responsible for any monies due. I read the Terms and Conditions that I originally signed and it did not state that we needed to keep this signed receipt for 18 months after the term was completed. I disputed this with Alliance Data and they responded with a Bank Operating Procedures document that was never provided to me that contains more detail and additional terms and conditions. The last communication was from me via email on XX/XX/XXXXstating that I do not have the signed CBC receipt. No communication was received from Alliance Data after I sent that email. On XX/XX/XXXX, Alliance Data debited my business checking acct {$6100.00}. Still to date, I have received no information regarding what this is for, why this amount, or any means to provide a rebuttal. My complaint is two fold - Alliance Data 's T & C 's contain no specificity. If I knew I had to retain documents for 30 months from signature, I would do so. Plus, this Bank Operating Procedure document that was provided after the fact should be part of the T & C 's I signed and should not be a separate document. My second complaint is Alliance Data 's failure to provide any supporting documentation as to what the {$6100.00} that was debited from my account is for? Their rebuttal process, dispute resolution process and dispute management is non-existent. In the past, if I receive a charge back from a credit card, there are clear procedures on what is being disputed and how to resolve it.

Lastly, the client states that have paid the balance and has provided me documentation to prove this. Alliance Data has not provided any documentation so I don't have a means to reconcile this issue and have to " trust '' that Alliance Data is correct. I can provide client records showing payment if needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is misreporting my loan from XXXX  as being late. This was discharged in bankruptcy and it seems the group that managed my loan no longer exists. The reported phone number on my credit profile does not function. The old payment portal XXXX XXXX XXXX does not function. Calls to them show its no longer a working number. It should have aged out by now, but it does not. All other accounts have disappeared from that era including other vehicles. 

The late reporting was a violation of the automatic stay from the bankruptcy case and I have spent this entire time trying to get it removed only for the credit bureaus to pretend to investigate it falsely.
Product: Mortgage

Below is the events happening with Bank for last one year!! 

1. XX/XX/XXXX : Based on the PMI guidelines published by the Huntington Bank ( Mortgage Company ), I paid {$17000.00} on XX/XX/XXXX. I qualify all the condition mentioned. 
2. XX/XX/XXXX : I called the bank and asked about next step and Operator asked me to write a letter to bank and fax the same as per instructions provided to me. 
3. XX/XX/XXXX : I faxed everything as per instructions, report is attached 4. XX/XX/XXXX to XX/XX/XXXX : I made several calls to them and told its processing and normally take 60 days. They also share some more forms to complete, which I did and I also told them I am going out of country on XX/XX/XXXX so dont have access to letters, Operator assure adjustments will be reflected on line automaticaly. 
5 XX/XX/XXXX : I left to XXXX, Ticket attached. 
6. XX/XX/XXXX : I made next payment on-time. 
7. XX/XX/XXXX : I had to change my return flight as I got query from US immigration and could not travel back due to non stamping of VISA. - Change Details attached. 
8. XX/XX/XXXX : 60 Days timeline of process was complete, I havent heard anything from bank. I tried contacting bank several time but no luck from XXXX. I saw my online bank account no change in my Statement neither no updates or messages or email. 
9. XX/XX/XXXX : I landed back in US and contacted the bank, I was told everything is fine and should be getting updates, and told sorry for the delay. However I also realized my XXXX payment is delayed due to lack of assurance from the bank and delay in service. 
10. XX/XX/XXXX : I paid both the payments and called the bank for late payment waiver and cited the reason for delay. They were ok with that. Now onwards till XXXX I gave several calls to the PMI department of the bank and received no response. 
11. XX/XX/XXXX : I was assured will get decision by XX/XX/XXXX. XX/XX/XXXX : I was asked to deposit {$150.00} to request home evaluation, I provided the details 13. XX/XX/XXXX : Bank send letter of denial Citing a reason as in point 9, That I missed one payment : ( With this detailed time line and story, I have been misguided by bank and they were not able to meet the following commitment. 
1. Bank were not able to close the case in 60 days neither cited any reason. 
2. Bank Misguided me that adjustments will be reflected in account any time soon and stated different time lines. 
3. Bank took very silly excuse at the end which is not justified neither challenge any of my attention or ability to pay back the loan. 
4. Bank services are very poor as their is no direct access to PMI department. 

With this experience I have lost my waiver I was qualifying to, means had paid {$290.00} every month even after completion of my 80 % LTV, Has lost faith in the system, Took overhead burden of something I dont deserve for. 

Here after I kept paying the regular installment and also paid extra principle amount reach 78 % LTV, Where I qualify for the PMI waver. 

XX/XX/XXXX : I raised fresh request to cancel my PMI, Bank again came with rejection over the phone siting same old reason.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. {$1300.00} I tried to contact them, but they would not give me any information because I did not give them my Social Security number and verify the address that they had on file because again I am a victim of fraud
Product: Money transfer, virtual currency, or money service

I got hacked and scammed through my online banking with XXXX XXXX, the scammers cashed some fake checks into my account and then zelled themselves the money from the check along with the my money that I had in there. Zelle claimed that they weren't at fault and XXXX XXXX said since Zelle is claiming that were not at fault there's nothing they can do for me.
Product: Mortgage

I have a mortgage where the servicing transferred from Caliber Home Loans ( NMLS # XXXX, loan # XXXX ) to XXXX XXXX  ( NMLS # XXXX, loan # XXXX ) on XX/XX/year>. The PMI was removed in XX/XX/year> with Caliber Home Loans and my autopay amount went down {$95.00} ( from {$1200.00} to {$1100.00} ) for my XXXX payment ( which the autopay process was automatically transferred to XXXX ). My autopay amount stayed the same until my XXXX payment which went up to {$1300.00}. I logged in to my XXXX account to check this and found that they have been taking PMI out of my escrow account starting XX/XX/year>. 

I have reached out to XXXX XXXX  via secure message and they say I need to provide proof from Caliber. This notice of PMI cancellation was in my loan document portal with Caliber, and now that is not accessible because my loan transferred. I have tried reaching out to Caliber and their phone system hangs up on me because I do not have an active loan with them. They do not have a secure message or email contact option that I can find. 

I have attached all of my statements with XXXX mortgage
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous activity. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
SOUTHWEST RECOVERY SER ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute certain information on my credit report. After reviewing my credit report, I believe there are some errors that need to be corrected. I request that you verify the information below to ensure it is not untimely, inaccurate, unverifiable, or incomplete. For your reference, I have enclosed copies of the relevant documents such as my dl and Proof of recidency that support my claims. Please investigate these matters and correct the late open and remove the charge off listed on my credit file as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate my dispute and respond within 30 days and send me an updated copy of my credit report once the investigation is complete. Specifically, I ask that you correct or removed the following accounts : XXXX. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

Rent Recovery Solutions says I owe them {$910.00}. I already pay this debt off to them back on XX/XX/XXXX of XXXX. I sent them a cashiers check in the amount of {$5100.00}. I then received an email from them saying that I owed XXXX dollars, and that my account was now closed. I received this notification on XX/XX/XXXX of XXXX. The debt was removed from my on-site rental history report as well as my credit report. In XX/XX/XXXX, rent recovery sent me another bill in the amount of {$910.00}. Since we had already negotiated the original debt, and I paid off the agreed upon amount, they should not be saying I owe them money again. About two months ago, I submitted a dispute describing the situation, onto the on-site rental website. I heard back and was notified that the debt was valid, according to XXXX. The notification also said that if I did not agree with the decision, that I would need to talk directly to Rent Recovery Solutions for Resolution. I first started calling Rent Recovery Solutions about four weeks ago. Every time I called, no one was able to figure out why I owe for the {$910.00}. They said that I would need to talk to the woman who was assigned my case, Miss XXXX. I called repeatedly over the next couple weeks, and Miss XXXX was never there. I asked to be forwarded to a supervisor, and they transferred me every time. This went on for two weeks, and every time they forwarded me to a supervisor it went straight to a voicemail. I would leave an in-depth explanation of why I was calling, and I would played that they called me back soon as possible. I have never received a phone call back from them. My husband also has this debt on his on site rental report. He needs to move in with me into my apartment I live in now, but he can not be added to the lease as long as this debt still shows on his on site report. If he is not on the lease, I am not allowed to have him live with me. He is in ill health and needs to live with me now more than ever. It is as if Rent Recovery Solutions is holding my life hostage by not helping me resolve this situation in any way whatsoever.