23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the Consumer Financial Credit Protection Bureau on three accounts that are not due by me I submitted documents and Meridian Financial answered the complaint and removed from my credit now the same account are in my XXXX   credit report and were never removed. Attached is the proof on a previous file.
Product: Debt collection

XXXX XXXX c/o PHH mortgage services did not apply a payment for a XX/XX/XXXX. The company is currently working under Ocwen Loan servicing as well. Our bank confirmed the payments was collected on XX/XX/XXXX from Ocwen. Owen & PHH were in the process of transferring on XX/XX/XXXX. We immediately contacted the company about this missing funds. Never resolved. Then PHH changed the statements 3 Months later to XXXX XXXX, C/O PHH. My wife continued making monthly payments, even though we were actually ahead, and in XX/XX/XXXX., paid XXXX & XXXX early. Again negative reporting to credit bureaus, Charged bogus fees, Also XX/XX/XXXX payment history received by PHH per our request,, Not only had they not applied/ & corrected the XX/XX/XXXX payments. But the transferred amount was increased by Over a 100,000 + and they continued charging interest on this inaccurate balance for over 12 months and have yet to resolve or refund.After further investigation. We were informed that there were two other fraudulent loan modifications associated with our account. They mailed these to us for review. The first fraudulent loan modification sent by PHH, was clearly fraudulent. The terms were obviously not legally binding. No signatures. And Upon further review noticed the loan number associated on this document had also been associated with another fraudulent transaction, in which our loan number was purposely changed on a bank check that was so similar it went undetected for years until we were mailed these documents by PHH in XXXX.This fraudulent files had a ballon of roughly XXXX. Increase in Interest rates. Etc. The second set of documents sent about a loan modification in XXXX. Another example of Bad business practices & predatory practices. Offered trail, but someone changed the terms in XX/XX/XXXX. We questioned this and have evidence that we wanted to have a full breakdown as this was not the deal ( threatened with foreclosure proceedings ) as someone either mixed files or maliciously made alterations & copied signatures from public documents? This time there was a another additional ballon of over XXXX. We have lived in our home since XX/XX/XXXX. We only borrowed XXXX. Thats all. We are well ahead of our monthly payments by method of a Processional accountant. We demand that the debt collector stop this fraud & adjust all payments interest escrow, fees, etc immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand these fraudulent items off to be removed from my credit report!
Product: Credit reporting

I 've called and sent a letter to TransUnion about inaccurate inquiries on my credit report. Every time I call, I 'm told they will be on my report for two years and that any company can put an inquiry on my credit report. I then informed them that I 'm aware that you should n't be able to put an inquiry on my file without me authorizing it. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; A firm offer of credit, insurance, employment and or court ordered. I 've received a letter today stating the inquiries will remain on my credit report for two years. I did not authorize these inquiries as to why I 'm disputing them.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XX/XX/XXXX I called XXXX bank to report fraud. XXXX XXXX about charges in the amt of {$110.00}, plus late charges, and Interest charges. Was told my Credit Bureaus would update and receive a new card in the mail 7 to 10 days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX first then transferred to XXXX in Fraud dept.. Once again was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. XXXX XXXX XXXX then transferred to XXXX in Fraud Dept.. was told they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXXToday XXXX waived all late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would happen.48 hrs for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that XXXX sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and she stated that it would be another 30 to 45 days. 

I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my Credit Report as well. I had been very sick with XXXX. They took off my late charges and I made double my payment on one card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. 

My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. 

I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. 

Please reach out to me for more information if needed. 

Thank you, XXXX XXXX
Product: Debt collection

What happens in the time for the covid 19 I went to the company XXXX to cancel my account and the said is okey but want to get my account in hold I said no so I signt a paper to closed my membership but the company didn't make after or 5hat they closed the XXXX for the covid 19 and they still charges in my account evening the XXXX XXXX was closed I don't think is fair also they send my to coleccion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted XXXX  dispute department to inform them of fraudulent activity. The results were returned from the company as unchanged. I was reporting that due to domestic violence issues at the time, my partner open an account without my permission. All of this information was conveyed, and yet the information remains. The account is paid in full, but still reporting negatively And it is not mine.
Product: Checking or savings account

I need assistance regarding an issue of identity theft and unauthorized account opening at First Tech Federal Credit Union. On XX/XX/XXXX, my identity was compromised, leading to attempts to open multiple credit cards and bank accounts in my name without my consent.

Immediately upon discovering these fraudulent activities, I took proactive steps to secure my financial identity : 1. I notified all three major credit bureaus ( XXXX, XXXX, and XXXX ) about the identity theft and placed a lock on my credit to prevent further unauthorized activity. 
2. I contacted all financial institutions involved, informing them of the fraudulent account openings and requesting the closure of these unauthorized accounts. 

All institutions, except for First Tech Federal Credit Union, have acknowledged the situation and have taken appropriate actions to assist in resolving this matter. However, First Tech Federal Credit Union has not only refused to close the unauthorized account but has also placed an unreasonable burden on me to prove the account 's fraudulent nature. This demand is despite the clear evidence of identity theft and fraudulent activity already available through my credit report and the notifications sent to the credit bureaus. 

I find First Tech Federal Credit Union 's response to be inadequate and unhelpful, further exacerbating the stress and potential financial harm caused by the initial identity theft.
Product: Checking or savings account

I was sent {$670.00} on XX/XX/XXXX to my venmo account for a painting service that I had provided a customer. Throughout the day my card worked as it always had before. I used my card and bought food for XXXX XXXX XXXX from multiple different places without issue. Later than night I was about to get some gas for my trip back to XXXX from XXXX, Texas. My brother calls me and asked to borrow some money so I send him {$25.00} on XX/XX/XXXX to his venmo account. He calls me right back and says he needs {$50.00} more so I attempt to send him {$50.00} to the same venmo account that I successfully just sent {$25.00}, and it was denied. I figured because my phone has horrible service that it just lost internet. So attempt to send the money over again, once again denied. Confused and getting frustrated I attempted to send the money a few more times all with the same denial message. So i return to the home page on the venmo app and thats when I seen in red letters underneath my venmo " Your account has been suspended. Refer to email for support. '' So now im stranded in XXXX, almost out of gas and no way of accessing my money or calling for support because it was late and they were closed. All of this happened on the same exact day that I had just received that money. The next day XX/XX/XXXX I got an email from venmo support requiring a copy of my drivers license for verification for whatever reason, considering my identity and tax information have already been verified with proof from my venmo app. I send my license for verification and i dont hear from support all day. So I called venmo support later that day to resolve the issue of my account suspension and was told that there wasnt nothing that they could do to fix the issue, only their " Specialists '' can. So I proceed to ask about contact information for the " Specialists Department '' and they told me that they didnt have a phone number for the department that they can only be contacted through email. I was flabbergasted. I asked for their Specialist Department location, with no response. The " best '' option that I got to resolving the problem was to wait 3 to 5 days for the " Specialists '' to review my license to determine that I am verified ; which I've already been verified ; before I get a decision. Not even a fixed but a decision. Im super frustrated because I literally used the card one day before they locked it on me. I kindly asked the customer service representative if they would close my venmo account and send the remaining monies in a check to the address on file and once again denied that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charged me twice to freeze my credit, but did not freeze my credit reports. 

I needed to freeze my credit because there was a fraudulent transaction by a third party trying to purchase Experian services in my name. 

I followed the instructions on the Experian website for creating a credit freeze, however Experian said it could not apply the freeze. However, they charged me the {$7.00} fee. 

I thought the problem was that I was using a new credit card, so I tried again using an older card that would be present in Experian records. Again, they refused to apply the credit freeze, but charged me the {$7.00} fee!
Product: Credit reporting or other personal consumer reports

Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : Experian ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous tines to unlock my experian file - never able to. The phone tree just ends up saying snail mail to Texas. I need it done IMMEDIATELY - not three weeks later. There is NO WAY to get a human on the phone. Unacceptable!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )
Product: Payday loan

My bank is XXXX in Illnois. I notified Essential Lending ( now XXXX ) that I was revoking their access to draft my account. I sent the request by fax and did receive a call back that the update was received. The notification was sent XX/XX/2016. Today, XX/XX/2016, they attempted to draft my account {$190.00} which resulted in my being charged a {$29.00} overdraft fee. I am in the process of opening a new account to avoid this from occurring again but wanted to make sure a complaint was filed for going against my requst.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Lewis McDonnell & Associate open on XX/XX/2020 has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I applied for the Citi Bank credit card with XXXX XXXX. I received an immediate approval and was sent a notice of approval in the mail on XX/XX/2019. I never received my card in the mail. After getting an email from Citi Bank stating that I should have my card by now and activate it, I called them because it had not arrived. They told me that it had been sent to the wrong address and that a new card would be expedited to me by XXXX arriving in 1-2 days. On the evening of the second day I contacted Citi Bank as the card had not yet arrived. I was then told they aren't allowed to expedite cards and that they could not give me my account information to book the trip I originally got the credit card for. I was told that it would be another 7-10 days to receive my card. Waiting for this card to book my trip has already cost me over {$300.00} as everyday I put off booking, the trip becomes more expensive.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was scammed by person to send money for a rental in XXXX fl was told that property was being rented lease and did not get or receive lease or keys as promised after payment was made through XXXX which I used my banking app Wells Fargo banking money was sent on XX/XX/2022 I filed a scam to bank on Monday XX/XX/XXXX met with banker in office in XXXX on XX/XX/2022 they did investigation and denied refund I have text messages from scammer on all promises that did not happen the amount that was sent was a total of {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting inaccurate, unverified information on my consumer credit report since at least XXXX. I have sent 4 letters asking them to verify/validate these accounts and they are refusing to delete these items yet have not given me ANY information that I requested showing how they are verifying these accounts are mine. 

Equifax states that they attained information from XXXX to verify a public record. I have confirmation/documentation from XXXX that they could not even verify the account belonged to me and have since deleted the inaccurate report. 

My very first letter was sent sometime in XXXX or early XX/XX/XXXX. I was just wanting my address updated on file and wanted all other addresses except for my current to be removed. Some of those addresses were not even accurate. They stated that they would but I see all addresses still on my credit report. I have the XXXX XXXX return receipt ( PS Form XXXX ) back from Equifax dated for XX/XX/XXXX. 
My first dispute letter was sent on XX/XX/XXXX. Documented, signed XXXX XXXX shows they received that letter on XX/XX/XXXX. 
A second dispute letter was sent. I do not have the exact address for that one but I have the PS Form 3811 showing they received that letter on XXXX XXXX. 
A third letter was sent on XX/XX/XXXX. Documented, signed XXXX XXXX shows Equifax received that letter on XX/XX/XXXX. 
Fourth letter was sent on XX/XX/XXXX that I had to resend on XX/XX/XXXX because they stated they couldn't verify my address. Equifax signed PS Form 3811 for that on XX/XX/XXXX. I never received anything back for the same letter sent again on XX/XX/XXXX. 
Final letter was sent on XX/XX/XXXX. Documented, signed XXXX XXXX shows Equifax signed that they received that letter on XX/XX/XXXX. 

In spite of all these letters, I still have invalidated, unverified accounts on my credit report, yet Equifax refuses to remove. As a result, I have had to send them a final packet on XX/XX/XXXX with all of this information, every US Code they have violated, my instructions to make this right that I am allowed to do under Federal law, and my invoice for damages Equifax has continually imposed on my person which has negatively affected my natural person. 

I have also included identity theft as Equifax is saying they have conducted an investigation with these different companies saying that they have done business with me. I have repeatedly asked for what documents they have that says I am doing business with them. Equifax has not given me any documentation or proof. I am going after these companies as well as Equifax for even being party to fraudulent activity as is my right under US Code. 

Equifax just recently updated my credit report with a series of more inaccurate and fraudulent reports as of today, XX/XX/XXXX. They seem to blatantly ignore everything I have said to them to rectify this situation. 

I have stated in EVERY letter to Equifax that I am well aware of my rights and a litigious consumer so now I am exercising my rights in hopes that Equifax will finally do the right thing.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm informing you guys to express my concerns regarding zelles handling of disputes, particularly in light of a recent CFPB lawsuit highlighting significant issues with the platform.