23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Mortgage

On XX/XX/8/20 I made a principal payment against my Heloc reducing the principal balance {$3200.00}. On the same day Bank of America reversed my payment and adding {$3200.00} back to my outstanding balance. I made this payment with good funds from my B of A checking account. 

B of A employees have indicated this is a systemic problem. Typical holds time to reach someone is usually an hour. This has been a recurring problem with B of A who seems unable to make the correct postings to my account. 

OnXX/XX/15/20 I spoke with B of A supervisor XXXX XXXX in NC at phone XXXX. She gave me 100 % assurance that this above problem would be resolved by XX/XX/XXXX. It is not. 

On XX/XX/16/20 I placed 2 calls to the number and no one answered.
Product: Credit card or prepaid card

On XX/XX/2020 I placed an online order for a refrigerator at Best Buy. The order clearly states that delivery/shipping is free ; however, the day after the refrigerator was delivered on XX/XX/2020, I received an itemized order details statement showing that I had been charged a delivery fee of {$69.00} ( {$75.00} with tax ). I called Best Buy to get the " free '' delivery charge credited to my credit card but was told they could not issue a credit and offered me a gift card. I declined the offer and again asked that a refund be issued to my Best Buy Visa account. After repeated phone calls to Best Buy, on XX/XX/2020 I filed a formal dispute online and eventually filed a dispute with the Best Buy Citi Visa card account. 

On XX/XX/2020, I was notified the following by Best Buy Credit Services : " We are pleased to inform you that you have received a credit for the amount ( s ) below from BEST BUY. It has already been applied to your account and appeared on your billing statement dated XX/XX/2020. 
Transaction Amount {$210.00} We now consider this matter resolved and have concluded the dispute investigation. '' This is not resolved! The {$210.00} credit was applied as a " price match '' for the refrigerator I purchased, due to a lower price by a competitor. This credit has nothing to do with the {$75.00} " free '' delivery charge I am disputing! I have since tried to re-open the dispute but have not received a response from Best Buy Credit Services. Please help me get this matter resolved. I am asking for {$75.00} " free '' delivery charge be credited to my Citi Best Buy Visa card. Let me know what additional information/documents you require to make this happen. 
Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed the 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 accounts or information which is found to be opened due to identity theft. The disputed 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 block/remove these accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After 2 category 5 hurricanes, Nelnet offered me forbearance. I declined, because I was helping to evacuate, and couldn't leave. I finally got the energy, after working in mold for 1 1/2 years to make the move. Now Nelnet won't give me forbearance until I find a job in FL.
Product: Debt collection

I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS TRANSWORLD XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from TRANSWORLD XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Product: Bank account or service

This feedback is in regards to Bank of America dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and BOA. 
XXXX did not show the charge. BOA proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the BOA branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by BOA which had been credited. B- There was a XXXX window that had passed, therefore BOA could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would " escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought a used XXXX XXXX XXXX onXX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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  : ACCOUNT # XXXX and XXXX XXXX : ACOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

1581 U.S.C 1681c. ( a ) ( 5 ) 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 conviction which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that 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.
Product: Money transfer, virtual currency, or money service

I received a fictitious email about my PayPal account sending money for an unauthorized phone purchase. The email and phone number for PayPal is not a legitimate number. I have heard of others in my area who have fallen victim to this scam. 
This is not through PayPal at all it is not affiliated with PayPal it is someone using PayPals registered trademark and name to scam people with a fake purchase. When you call the number associated to complain that you didnt authorize the purchase, they want you to send them cash cards or gift cards to Verify your identity so they can clear the supposed purchase. Additionally the email from ( XXXX XXXX at XXXX ) is probably fake or hacked by the scammer. Hope you can track this liquid waste and burn them til they turn into methane!
Product: Credit reporting, credit repair services, or other personal consumer reports

This identity theft issue XXXX someone else obtaining medical care ) has affected my ability to obtain substantial credit to provide for my family and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. 
Medical debt added which was resolved through financial assistance through hospital do bill were not validated.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated.
Product: Credit card

I have two issues. 
I have a credit card with Bank of America. I put in a change of address with them. I did not receive my bill and received a late fee. I subsequently paid my bill. I requested that they waive the fee and they turned me down. As a XXXX I complained to investor relations and they notified a debt collector who sent me an email yesterday.
Product: Mortgage

This complaint has to do with Flagstar Bank. My checking account was compromised and return checks on my mortgage had occurred. So I was only required to pay with cashier 's check, by mail. When I sent in my cashier 's check of {$750.00} to Flagstar Bank they lost my cashier 's check and I missed my mortgage payment. They reported me to the credit bureaus for missing a payment. Since the cashier 's check was not cashed, I sent a new one and finally the payment posted. 

I've had so many problems with this bank. They also have to ask you ( 5 ) - ( 6 ) questions every time a person calls in, and then many of the employees are not educated enough to appropriate answer the question or route the call to the correct department.
Product: Credit reporting or other personal consumer reports

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

my loan was sold to this company and with in a few months I was told my escrow was $ XXXX short that I needed to pay it or have to added to my monthly payments. I could not get a explanation except it was short. a few more months later another bill saying my escrow was $ XXXX short still no explanation except its short and it will be reviewed again this year to expect this before the year is out. how can this be in the XXXX yrs I have had a mortgage this has never once happened it can not go up and 2-3 times in one year? taxes and insurance are billed once a year. I do not understand and can not afford to keep shelling out money to this incompetent company. I was reading reviews on yelp about them and it seems I am not the only XXXX is this confused boat.
Product: Debt collection

Im the wife of XXXX and all my phones are in my name. I received a text on XXXX XXXX XXXX. I called and spoke to the person who called themselves a debt collector or mediator. Because my husband is hospitalized.After asking questions I was told that the Company who was taking me to court on XXXX XXXX is ChecknGo. And I verified myself to them telling the mediator or collector who I am. Still the collector assumed it was me that he was collecting for. 
I told the collector that XXXX  doesnt have a debt with that company. 
Then I was told that I was being served when in fact it wasnt the person that they were looking for. After trying to ask further questions I was continually told that Im being served without any further explanation. 
I looked up the number to Checkn Go in my area and gave my husband name, telephone number, address and all info that was requested. I was told that there was no Loan taken out with the information that I gave them.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit reports and each credit bureau did something different. I attached my credit report to reflect the inaccurate information. These accounts need to me closed and deleted immediately.
Product: Debt collection

After reviewing my credit report I sent debt validation letter to this company ( Hunter Warfield ) they in turned sent me a bill for charges that should not be included in any statement balances claimed to be owed. The apartment received First and last month and all bills were paid until move out date. Notice was given and keys returned to XXXX upon move out. When asked for more details on how these charges were incurred I received no response. Ive sent out a second set of letter and have tried to have this deleted from my credit file and the company keeps saying verified but that is not true.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I seen there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. Here are the Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.