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

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with PHOENIX FINANCIAL SERVICE./// PHOENIX FINANCIAL SERVICE willfully violating the FCRA Without my direct written consent PHOENIX FINANCIAL SERVICE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of any account on my behalf./// PHOENIX FINANCIAL SERVICE based on false and misleading representation with undisclosed material facts , which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// PHOENIX FINANCIAL SERVICE is harming my reputation XXXX by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) PHOENIX FINANCIAL SERVICE needs to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by PHOENIX FINANCIAL SERVICE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) PHOENIX FINANCIAL SERVICE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XXXX XXXX FIRST CHARGE OFF. SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XX/XX/XXXX  I contacted Transunion Credit bureau after having being notified through   XXXX   XXXX   credit monitoring app I use, that my information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from   XXXX   XXXX   on   XXXX   XXXX  , 2017 &  XX/XX/XXXX ,   XXXX   XXXX     XXXX   XXXX  , 2017,  XXXX    XXXX   XXXX  , 2017 I did n't authorize. I contacted the creditors and I was informed by them to contact The credit bureaus, So I first contacted transunion on  XX/XX/XXXX  and was told I needed to contact the creditors and request the ok to delete letter from them, I was again told to contact transunion since it was fraud, so on XX/XX/XXXX I contacted them and let them know that they needed to look into this & investigate it, I was assured that it was going to be looked into. In the mean time it was recommended by another credit bureau I file a police report for fraud, so I did on Friday XX/XX/XXXX and faxed it into transunion in hopes that this would get this matter finally resolved, I then called them the same day and was told a representative they received the report and they would investigate it, I was a little leery about it, given all the back and forth, so I called back Monday XX/XX/XXXX  and was told they did n't receive the report.
Product: Credit card or prepaid card

The information on the back of the card is not valid information to determine if the account has been sold. I've tired the information on the back of the card I still have in my possession but the automated system is not transferring me over to get a live operator. the website is no help either.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding the failure of Wells Fargo and XXXX to process the reversal of an ACH transaction despite prior approval and compliance with all necessary procedures.

Transaction Details : Transaction Identifier : Trace # XXXX Date of Reversal Request : XX/XX/XXXX Amount : {$5600.00} Issue Summary : Delayed Reversal Approval : My bank submitted a Letter of Good Faith on XX/XX/XXXX, containing all required transaction details to facilitate the reversal. 
Despite this, Wells Fargo and XXXX have failed to process the reversal within the legally required 10-business-day timeframe, with no valid explanation provided. 
Unwarranted Requests for Personal Information : XXXX requested sensitive personal documents ( photo ID, transaction screenshots ), despite being a third party in this transaction. 
Due to security concerns, I directed my bank to handle the matter directly, yet XXXX continues to delay the reversal. 
Suspicious Third-Party Involvement ( Stripe ) : XXXX is now requiring me to upload my bank account details to XXXX, a payment processor that was not involved in the original transaction. 
Given that the funds were sent to a Wells Fargo account, this demand is highly suspicious and raises concerns of potential fraud. 
Request for Immediate Action : Immediate Processing of the ACH Reversal to ensure the funds are returned to the originating account.

Cessation of Unjustified Requests for personal information and third-party account setup.

Investigation into the Handling of This Reversal Request, including XXXX role in the delay and the introduction of XXXX. 
This situation suggests possible noncompliance with federal banking regulations, including the Electronic Fund Transfer Act ( Regulation E ) and Uniform Commercial Code ( UCC ) Article 4A & 3. Given the ongoing delay and improper handling of funds, I request an immediate investigation and resolution.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. I had aXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. It states the last payment was XX/XX/XXXX. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

Equifax is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and Equifax still have not furnished me the information.
Product: Credit reporting, credit repair services, 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 ( Original Creditor : XXXX. XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} ; XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX  XXXX : {$3000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4400.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the repeated inaccurate reporting of charge-offs and collections on my credit report. Despite my efforts to resolve this issue, I have encountered persistent inaccuracies that have negatively impacted my credit score and overall financial health. 

Key Issues : Repeated Charge-Offs and Collections : I have noticed that the following accounts have been repeatedly reported as charge-offs and collections each month, which is misleading and damaging to my credit profile XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX ( XXXX  XXXX ) : Account # XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX Failure to Provide a 1099-C : Despite the accounts being classified as charge-offs, I have not received a Form 1099-C for any of these accounts. According to 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is canceled. The lack of this form raises concerns about the legitimacy of these charge-offs and reflects a failure on the part of the reporting creditors. 

Inadequate Response to Disputes : I have contacted the credit bureaus multiple times to dispute these inaccuracies, but my requests have gone unanswered or inadequately addressed. This lack of response violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 

Impact : These inaccuracies are causing significant harm to my credit score and making it difficult for me to obtain new credit. I am concerned that this situation will continue to affect my financial future if not addressed promptly. 

Desired Outcome : I am seeking the removal of the inaccurate charge-offs and collections from my credit report and require the issuance of the 1099-C forms for the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the items listed below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Product: Mortgage

My husband and I submitted a XXXX XXXX XXXX in XX/XX/XXXX. 
On XXXX lender confirmed approval and noted that no additional items were needed and did not suspect any issues for closing in XX/XX/XXXX. 
On XX/XX/XXXX lender sent final closing document for closing on XX/XX/XXXX. 
Arrived to closing and the loan was only processed in my name. This was never disclosed to me. Lender could not explain why my husband was omitted. 
XXXX disclosed that a money gift was given to me by my husband for closing. I was never informed of this document or the money gift. 
XXXX was having discussions with my husband only and making decisions without my involvement, consent or approval. 
I would never have approved the loan in my name only. 
XXXX added my husband to the deed without my consent after electing me to be the financially responsible person for the loan. 
I immediately brought this to the attention of many execs at the mortgage company. 
They have no resolution except for offering to refi the loan for me. No accountability, no apology. In fact, they tried to blame me for not managing their employee. Accused me of buyers remorse. Blamed me for not bringing council to my settlement since my loan was " XXXX ''. Did not seem at all concerned that their employee processed a loan without my consent or approval. That their employee was having convos and making decisions without my involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I opened a XXXX MileagePlus XXXX Chase Visa account XX/XX/XXXX. From XX/XX/XXXX to XXXX, I used to log in monthly on my personal chaseonline.com account to pay my current balance charges. 
I started receiving Chase direct marketing emails to invite me to set up automatic payment, which I did. I set up the automatic payment XX/XX/XXXX on my Chase credit card. By default, Chase automatic payments are setup with the minimum monthly charges and does n't mention clearly the second option you can select for " Full Amount Due ''. 
I 'm French and I 'm not aware of such options. So I have n't paid any attention to this option until I realized today that I had monthly purchase Interests charges since XX/XX/XXXX. This morning ( XX/XX/XXXX ), I had a current balance of {$26000.00} for which I 've already paid {$1300.00} fees!!! I called Chase Client service, explained the situation, paid immediately the current balance ( over $ 26k ) to show them I have money and this was a huge mistake from account setup ( precisely their " automatic payment '' options ) but they declined all responsibilities. I 've asked them why they do n't contact customers when such customers reach those past overdue balance. Their answer was " we have too many customers to serve so we do n't call nor contact any customers for any reason ''. I feel they stole my money as it 's clearly a matter of their " setup '' on their online interface to mislead customers. 
My desired solution is at least to get reimbursed the last Purchase Interest Charges of {$310.00} for XX/XX/XXXX, charged on XX/XX/XXXX ( so 1 day before I contacted them ). I kindly asked them ( the " manager/superior '' I was put through ) to help sort this out as I immediately paid all current balance charges to prove them my honesty. They declined again. 
I 'd like to complain about this scam and get money back from Chase.
Product: Debt collection

Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Mortgage

I have paid the same default 3 times. I received the mortgage through divorce. I have sent Ditech my divorce decree, and the Quit claim deed. This company refuses to acknowledge my rights which are the owner of the home. I have been the responsible party of paying this mortgage since I separated from my ex since XX/XX/XXXX. 

1st Time -- On XX/XX/XXXX ( I was two months behind on mortgage payment ), I cured a default of {$4000.00}. I submitted an entire payment of {$4700.00} to cure default. Ditech did not allocate money correctly. I submitted a Notice of Error and this company refused to allocate payments correctly which were described in the Default letter. Sent my ex-husband an escrow surplus check of {$1500.00} knowing the default was not cleared. The first time I paid these fees I compiled payments which consisted of 3 money orders, and XXXX XXXX. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. 

2nd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$2300.00}. This amount shows clearly the default was not allocated correctly. Ditech put majority of the money in escrow. I submitted a payment of {$2800.00} to clear the same default and Ditech refused again to allocate money correctly. This time I submitted a complaint and Ditech paid on my default and left a balance of {$350.00} -- Corporate Advance Balance, {$130.00} Uncollected NSF Fees, and {$20.00} -- Other Fees. The second time I paid these fees I specified through individual money orders on how all money should have been applied for all fees. When I noticed the money was not applied correctly again, I called Ditech and the representative stated the money would be applied correctly and it never was. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. Ditech sent an email stating the money was applied for the XX/XX/XXXX mortgage payment. Ditech still disregarded all labeled XXXX XXXX for cure default fees. 

3rd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$1500.00} As of today, XX/XX/XXXX, I sent Ditech {$1500.00} to cure the default this company will not pay correctly. The third time I paid these fees I through XXXX XXXX, and specified through individual money orders on how all money should have been applied for all fees. I paid Ditech {$1500.00} -- XXXX XXXX, 3 XXXX XXXX -- XXXX ( Late fees ) each, Uncollected NSF Fees -- {$150.00} ( {$20.00} extra by error ) -- Same fees from last time, Other Fees -- {$20.00} -- Same fees as last time, and Corporate Advance Balance -- {$350.00} -- Same fees as last time. My date for right to cure default is XX/XX/XXXX. 

When the money is received by Ditech, I will owe for XX/XX/XXXX mortgage.
Product: Credit reporting or other personal consumer reports

Failure to delete inaccurate, Incomplete, or Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) ( 6 ) 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

Dear TransUnion After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information which is a violation under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The information that is currently in the credit bureaus is totally different, I need to change my personal information in the credit bureaus ( Experian ) for the new personal information that I am going to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hello- For the last month 1/2 I have been trying to move my checking account from XXXX XXXX XXXX by taking advantage of an offer that CITI offered via my AAdvantage Citi credit card log in. The offer appears to be an online offer only but the system repetitively gives me " I am sorry but we are having technical difficulties '' When I try calling CITI customer service they are not able to assist or look into the matter and just dismiss the case. 
My hope is that citi can look into this error and grant the AAdvantage miles offer via the phone since its not working online via the link provided under the offers tab of my credit card log in Thanks for help pushing this to CITI XXXX XXXX XXXX