23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, while on the Bank of America ( B of A ) website, I saw an unauthorized charge posted to my business XXXX. The charge was for {$100.00} and the merchant was listed as " XXXX  # XXXX ''. I promptly called the number on the back of the card and told the B of A agent about the unauthorized charge. She transferred me to another department where I was left on hold for XXXX minutes. I hung up and wrote a letter to B of A asking them to reverse the unauthorized charge, that I had " NEVER purchased anything from this merchant and there is no way for me to contact them directly. '' I mailed this letter to the address for billing inquiries on the B of A statement. I received no reply from B of A and I saw they had not reversed the unauthorized charge, so I sent a second letter repeating the same facts on XX/XX/XXXX. Still no response from B of A. On XX/XX/XXXX I sent a third letter repeating the same facts, but I sent it to an address hidden on pg XXXX of my B of A statement. I finally received replies from B of A asking me for " additional information ''. The information they asked for had already been provided in my previous letters, and on XX/XX/XXXX I sent them a letter saying so. On XX/XX/XXXX I received a reply dated XX/XX/XXXX denying my " claim '', talking about me not being satisfied with the " service '' the merchant provided. I never said anything like that! That same day I sent a reply to B of A that I was not satisfied, and they obviously had not conducted any investigation of my claim. I received no reply. On XX/XX/XXXX I sent a certified letter to B of A detailing all of the above and repeating my assertion that this was an unauthorized charge and they obviously did not conduct any investigation at all. I received no reply,
Product: Checking or savings account

Hello, On XX/XX/XXXX, I received a phone call from someone who spoofed their number to be Bank of America and said that my funds were going to be taken out unless I transferred the funds to a XXXX  authorized number. I ended up wiring the money over and filed a claim immediately which was denied by Bank of America. However, I think that I should be able to receive my funds back under the Regulation E act.
Product: Mortgage

In XXXX of XXXX after being affected by the XXXXOVID Pandemic we applied for and received Pandemic forbearance. In XXXX of XXXX I called my mortgage company, Mr. Cooper and asked to restart payments. I was told they would review with the VA what was allowed to make up the missed payments, and they stated it would either be a deferment or a loan modification. They then told me a week or so later that I didn't qualify for a deferment and that they could only offer a repayment plan of the missed payments over 10 months or a loan modification plan. The repayment option would increase my monthly payment from {$2400.00} to {$4500.00}. per month. I obviously can not afford to almost double my mortgage payment for the next 12 months. I objected to that and they said they would restart my forbearance and review the loan modification process. It took them until XXXX to make a decision that I did not qualify for a loan modification because they calculated my disposable income at over {$6000.00}. per month. My take home pay is {$6200.00} per month, and I have a {$580.00} VA XXXX payment. My total take home is under {$6800.00} per month. I have XXXX children, ages XXXX, XXXX, and XXXX. After regular mortgage payments, utilities, food and clothing along with my other financial obligations we are just able to make ends meet. With the {$4500.00} mortgage payment not an option, I sought out a refinance. I am fully approved for the VA IRRL which would have closed on XXXX and would lower my rate from 4.25 % to 2.99 % thus putting me in a much better position financially. At this point Mr. Cooper is blocking the refinance. If they would allow the refinance to move forward they would have the funds wired to them within 3 days to pay off the entire loan balance. The only logical explanation would be, that Mr. Cooper is using this tactic to force a foreclosure on my home because of the estimated {$160000.00} in current equity and homes in my area selling in an average of 8 days or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to a previous complaint # XXXX. EXPERIAN said they contacted a public records company to verify my non public personal information on my consumer report. I never gave EXPERIAN or any alleged data furnisher my written permission to share any account information on my consumer report. If I can clearly see that 15 USC 1681b ( 2 ) states a consumer reporting agency may only furnish a consumer report with written instructions from me why does the consumer reporting agency continue to say they are verifying accounts on my consumer report with an alleged furnisher??? Delete the following accounts due to lack of written permission from my self the consumer to whom it relates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt through TransUnion twice now, and each time TransUnion does not thoroughly investigate the debt nor does TransUnion actually review the documents I upload to them as part of their online dispute process. The account in question is from XXXX XXXX XXXX XXXX for {$2700.00}. The item was placed on my TransUnion credit file in XX/XX/2022. I have attempted to call TransUnion several times to resolve this, to provide them documentation to support my assertion that XXXX XXXX has agreed to delete this collection account from my credit file, but each time I speak to a representative outside the United States whose XXXX is poor and incomprehensible. On XXXX XXXX, I spoke to someone named XXXX in TransUnion 's dispute department, who told me that there is nothing he or TransUnion could do to assist in resolving my dispute. Each time I have sent in documentation, TransUnion does nothing more than send it to the creditor, who then verifies it, and the account inaccurately remains reported on my TransUnion credit file. TransUnion doesn't actually conduct any sort of investigation -- this is a blatant lie, and TransUnion is misrepresenting their dispute process. XXXX was asked to transfer me to the appropriate representative. Instead, he slapped me on hold, and I've been sitting on hold, with no resolution, for more than XXXX minutes. I was finally able to speak to XXXX, who told me to upload the documentation to TransUnion 's website. I let XXXX know that their website did not allow me to upload anything while a dispute is in progress. XXXX had no other options except to send any documentation by postal mail. When I expressed to her that I couldn't and that postal mail was unacceptable given the technology in 2022, XXXX hung up on me. TransUnion has knowingly and intentionally denied me my rights under the Fair Credit Reporting Act, and they are knowingly and intentionally acting in a deceptive and abusive manner toward me. I am attaching a satisfied in full letter from XXXX XXXX XXXX XXXX, which shows that the account is paid in full and that I am no longer legally liable for this account. XXXX XXXX has agreed to delete the account from all my credit files, including TransUnion.
Product: Debt collection

XXXX XXXX ( XXXX ) was told for 2 months we had different cable provider And to shut t this off and didn't letting The bill run up on XXXX XXXX I've told them I only used Ambulance service once it's billed twice each just less than 10 dollars each XXXX especially has been not willing to do much I want it Itimizsd bills or them to be removed they messed up double billing I'm sure priced are wrong also
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX , XXXX, showing a payment of {$1200.00} was received on XXXX. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting

Trans Union had a glitch in their system that violated the right of their consumers under Section 6.11. Ask a result I have been greatly affected and my credit score is suffering as result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : - FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX > {$9700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 2. DEPT OF EDXXXX XXXX {$2800.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 3. DEPT OF EXXXX XXXX {$3500.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 4. DEPT OF EDXXXX XXXX {$3100.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 5. DEPT OF EDXXXX XXXX {$7600.00} * Account # : XXXX * Date Opened : XX/XX/XXXX - FRAUDULENT HARD INQUIRIES : XXXX. XXXX  * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent dispute letters to XXXX and Transunion, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX/XXXX  that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score.  Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a natural living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. They violated my rights numerous of times I demand the accounts listed below removed because according to 15 USC 681 I have the right to privacy, and I did not give Equifax the permission to write and furnish these accounts Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed account or XXXX Account XXXX XXXX XXXX XXXX XXXX  There was no credit ever used
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called EQUIFAX now more than 10 times to get this matter corrected. I may have even contacted CFPB regarding a similar situation with this organization. 

I have disputed an item on my credit report that should not be there but Equifax claim they received notice from the company claiming the information is correct. Well, it is not correct. My conversation with Equifax was via phone as I could not access my own personal information online with Equifax. 
I disputed again and now I have received at least 3 emails from Equifax claiming that they have completed my dispute and that I only have until XX/XX/2019 to reply. 
Again, I have tried time and time again to view this information online but have been unsuccessful as before, the Equifax system always give a notice of something along the lines of " can not proceed online '', " unable to continue '', " This page can not be displayed '' or something similar. No matter how many times I have tried to review the e-mail, I can never view it even from the e-mail that they send. 
As I mentioned, I have called this organization at least 10 times and they refuse to assist. They continue to say the same things over and over and over. 
Spoke with several people including a lady by the name of XXXX who is supposed to be a supervisor and she has been absolutely not help but constantly repeats herself over and over. 
I am SICK and TIRED of Equifax. Why do this company and the other two major bureaus even exist? 
Just to give you an example, please see attached documents. 
They give me until XX/XX/XXXX but yet, I disputed again on XX/XX/2019 and a notice came back saying " this is an unmonitored address ''. 
This needs to stop and stop immediately!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is a follow up on my last complaint XXXX I have an additonal question. 
If these are valid charges who can i contact them regarding their terms. 

PUR-PR and RTSALE offer. 
If you are allow the charges as valid, then what is the phone number of these people. 
YOu must have a way to contact them since you apparaently advertised them on the Citi Simplicity site.
Product: Credit reporting

I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and th ey brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I ha ve yet to receive any letters on what happened with the deposit.
Product: Debt collection

PLEASE CHECK ALL DOCUMENTS, THESE ARE STRESSING ME OUT
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX I rented a stove from a retailer in XXXX, NC. I made the down payment in cash at the stove and was told I would have to finance the balance with Acima Credit. I asked the retailer if I didn't want the stove would they come get it and no further charges would be assessed, he replied yes but the balance would be paid in 6 months. After completing the application and the immediate approval from Acima, I was told the completed copy of the agreement would be mailed to me once the stove was delievered to my home.I was required to draft the payment from my XXXX XXXX XXXX checking account. 
I received a notice of how much the approval was for via postal service. I did not receive any further documents from Acima either by mail or electronically by email. 
In XXXX I called to make sure the month of XXXX would be the last withdrawal of the payment from my account. I was told by the customer service agent that there were additional payments that I did not agree to with the retailer who communicated with Acima. 
At that point I told the agent to send the retailer to pick up the stove because I refused to pay that amount for a used stove.I was instructed to look for an email with in 72 hours of the call, take pictures of the stove, submit them and the retailer would be to pick up the stove in a two week period of time. When this did not occur by XXXX I called spoke to XXXX XXXX and was told the agent just did not follow up. Again I was told to follow the same procedure and did, to wait for the retailer to pick up in the two weeks. 
I did not hear from them and decided to wait to hear from them. I received a call from an agent in customer service on XX/XX/XXXX and after chewing him and his company out was told to for the 3rd time to follow the same procedure, which I did. 
Today XXXX XXXX I called Acima to find out why the retailer had not come to get the stove, since it was within the 72 hour time frame and was told Acima charged the account off XX/XX/XXXX and because of the charge off I could not return the stove and the amount of XXXX plus had to be paid. 
This is a deceptive financial practice they have obviously gotten away with many times with unsuspecting consumers. I was very mad and informed the agent of my intent to file a formal complaint with every agency to stop them from further victimizing consumers. 
I will gather all documents and submit them to the apropriate agency upon request
Product: Debt collection

XXXX XXXX XXXX : XXXX ACCT # XXXX [ MIDLAND CREDIT MANAGMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Debt collection

I received a letter from CMRE financial services INC. for a principal amount of XXXX. This is for a XXXX XXXX and XXXX I had done. During the time of this visit I had insurance with XXXX through my father, XXXX XXXX, which they failed to bill. I never received a statement for the money owed they just sent this bill to a collection agency. Furthermore, to add insult to injury, this company is unlawfully charging me interest. The CMRE Account # XXXX PIN # XXXX Account # XXXX. From what I recall this is for XXXX done to gauge my XXXX due to being diagnosed with XXXX in 2011. This was requested, I believe, by a XXXX XXXX XXXX in XXXX XXXX, CA.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX