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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX  ), has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

SchoolsFirst FCU CHARGED MY ACCOUNT {$320.00} for a XXXX XXXX vacuum that was RETURNED. XXXX sent an email to me verifying the return. XXXX lied & claimed it wasnt the same vacuum. When I demanded proof, they did not reply and KEPT my money and CLOSED my XXXX account after my having this account for over 10 years. I disputed the charge with SchoolsFirst FCU but they did believe XXXX. I demanded PROOF from XXXX that the return was damaged or not the same. Absolutely NOTHING was sent! XXXX NEVER sent back anything ; never sent proof but they KEPT THE RETURN and KEPT MY MONEY! 

Schools First Supervisor XXXX AGREED with XXXX in spite of the evidence to the contrary and she charged back my account {$320.00} causing my account to go into the negative on XX/XX/2021. 


XXXX & XXXX at XXXXchoolsFirst FCU have demanded that I should have kept and paid for defective items and that I should have had continuously allow XXXX employees to fraudulently use and steal my debit card to make fraudulent purchases on my behalf. 

SchoolsFirst FCU AND XXXX continuously tell me that there is NO ONE who will refund me or who I can talk to or that someone will call you back. No one does but steals my money instead and keeps my account in the negative : /.
Product: Debt collection

I informed them that I was on XXXX and they took care of everything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to an incorrect item on my credit report. It has been well over 30 days, and the accounts have not been removed TransUnion failed to delete the following items/accounts that are not mine. I have never done business with the banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding credit accounts. Failing to comply with US code 1681I. These accounts are not metro to compliant. They should have been deleted for not following the industry standards. Required to maintain maximum, possible accuracy
Product: Debt collection

I Rented a house at XXXX XXXX XXXX XXXX in XXXX Alabama from XXXX XXXX XXXX ( XXXX from here on ) I had a 1 year lease, at about 1 year 4 months into the rental in XX/XX/XXXX I went to the XXXX office to pay the rent and it was closed, I returned the next day and the secretary told me I owed a XXXX dollar late fee, I told her I was here yesterday during business hours ( not lunch ) and the office was closed I'm not going to pay a late fee! She told me it doesn't matter I still owed the fee, I paid the rent minus the fee and told her I was moving. 
I had been trying to get XXXX to move me to another house as I has very bad problems at this address. An Alcoholic  named XXXX burned the house right next door to mine down and he was still around the neighborhood and would flip over my garbage can looking for food and booze and the man was clearly psychotic, my lawnmower was stolen off the porch where it was chained, I had homeless people who would sleep on the porch, I had an incident where 2 people walked in the front door and I had to fight them out. A XXXX delivery with a value of several hundred dollars disappeared off of my porch post delivery, these are just a few examples so I wanted to move anyhow, XXXX has 100 's of rentals and couldn't or wouldn't give me another one to move to, so I moved! 
In XX/XX/XXXX, about 3 years later a hit shows up on my credit report from Smith Rouchon collection agency claiming I owed XXXX dollars they were to collect for XXXX, I told them I don't owe XXXX  anything and in fact they owe me deposits and fees.. 
Here is why I have filed this complaint with consumer finance, I was at XXXX XXXX starting new service several months ago, about 5 years prior XXXX XXXX had placed an account in collections without ever notifying me and I paid Smith Rouchon the bill in full but they never forwarded the info to XXXX XXXX that I had paid it and XXXX called them on the phone to inquire as to if I had indeed paid the bill and they told them that I had paid it in full, THEN the person at Smith Rouchon voluntarily told the utility dept. that I had an outstanding collections account from XXXX  that I explained above in an attempt to cause me denial of services! My research has indicated that this is against the law! I intend to persue this matter to it's completion. I'm not going to allow these people XXXX and SRC to coerce a nickel out of me and we may all be going to court as I am consulting attorneys about all this! I have a witness that overheard the conversation that SRC had with the utility dept. so for them to deny this is a waste of time! I owe XXXX  nothing and will not pay! They owe me!
Product: Mortgage

This is specifically related to the required flood insurance for my property, In summary, my Flood insurance premium is {$2700.00}. As you examine my escrow account you will see that Truist has paid {$12000.00} through multiple payments for flood insurance. These payments began on XX/XX/2021, and concluded on XX/XX/2021. 

Across this same timeframe, you will see multiple Flood Insurance refunds in the escrow account totaling {$7100.00}. 

I am certain you will appreciate the difficulty all this has caused me, not to mention the inordinate amount of my own personal time consumed. 

Still, after all this, my flood insurance remains overpaid by {$2700.00}.
Product: Mortgage

On XX/XX/XXXX my mother received a notice of default from XXXX XXXX XXXX. formally none as XXXX XXXX now known as XXXX. Document # XXXX. Case # XXXX. At that point my mother requested a HUD Critical Circumstances Extension Qualification Approval. She  was soon Granted this request by HUD And I will provide and upload the original approval letter as well the transaction history sheet. They XXXX XXXX XXXX XXXX  still proceeded to sale my mothers property at public auction to XXXX XXXX XXXX, XXXX on XX/XX/XXXX a complete illegal and breach on contract because with the HUD critical circumstances extension being granted and valid through XX/XX/XXXX in witch this sale was recorded on XX/XX/XXXX. I am an authorized representative of my mother this I had to go through multiple channels for them XXXX   XXXX XXXX XXXX to admit and rectify there broken contact and wrongfully saling my mothers property at XXXX XXXX XXXX XXXX, CA,XXXX They informed me that the sale was recanted and that we had a repayment date of XX/XX/XXXX but they didnt give A payoff figure owed. The title company escrow officer XXXX XXXX/ XXXX XXXX have faxed over the proper request documents for the payoff first document was received by XXXX  on 1XX/XX/XXXX with a seven day processing time. Then a second payoff request was received by XXXX on XX/XX/XXXX. I was informed on XX/XX/XXXX by XXXX XXXX XXXX XXXX representative XXXX ( I D ) # XXXX that received both requests for the payoff amount and that the second request was a duplicate and that they had combined them and are to give the title company 1 XXXX XXXX XXXX the payoff. Please take into consideration that the house is in full contract and escrow and is due to close XX/XX/XXXX we have attempting to obtain payoff for nearly three weeks at this time and as stated I have a product ( the house ) to produce to the contractual party. If not by the end of escrow XX/XX/XXXX I could quite possibly acquire a lawsuit against me. My escrow officer, my estate attorney, my real estate agent and myself have diligently and patiently attempted to obtain what should be a simple business request and have been denied all attempts. I ask please that you help me in this urgent and most high matter of importance. Thank you so very much. Sincerely XXXX XXXX XXXX.
Product: Checking or savings account

I was solicited by XXXX XXXX by telephone and was charged for products that I did not receive. I was also given an inferior product that caused facial paralysis. I contacted Wells Fargo bank regarding this matter. Originally they provided a provisional credit to my account for {$290.00}. They provided an incorrect email address to send my documentation to regarding this matter. When this was discovered, I only had XXXX days to provide the information to the correct email address. Wells Fargo closed my claim without proper evaluation and my provisional credit was revoked. I have made several attempts to contact Wells Fargo to correct this error. The agents I have spoken to have provided different information to me and it seems to be a never ending process. I cant get an answer or an acceptable resolution. That is why I am contacting this consumer protection agency. I have provided the proper documentation to Wells Fargo but they seem uninterested in assisting me to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I had placed a fraud alert on my profile as I believe someone is using my information. 103 Claims true identity fraud/account fraudulently opened. 040 Account involved in litigation. Please remove these accounts from my credit profile. Thank you.
Product: Credit card or prepaid card

On XX/XX/2021, I met with an individual to purchase a set of car wheels. After inspecting the goods, I asked the seller to provide his email address for me to send a XXXX payment. He provided his email address and I sent the payment. After a few minutes, the seller said he still had not received his payment. I went and checked the recipient email and he had made a mistake with the spelling and provided it one letter off from his actual email address. The erroneous email address he initially provided is XXXX, and that individual is a real person with whom I have never conducted business. 

I attempted to open a dispute through XXXX and they declined citing I sent payment as a friend and instructed me to submit a claim through my credit card, Citi Cards. I filed the dispute with Citi and after several months of providing all of the requested documentation, Citi provided a final letter stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. You will need to contact the merchant if you with to pursue this matter further. our investigation remains closed. ''
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Identify theft with wellsfargo, wellsfargo asked for documents of the police report, for a few months, they stated multiple times they did not receive them. Send them three times. I got a different representative on the the phone the same day and they did in fact receive all the documents. This account continues to go delinquent affecting my credit. Dealing with this account with fraud from XXXX, every time I call they transfer and hang up. Not sending me any documents to let me know to status of this account. Also did not know this account was rejected for identity theft because they are not sending any documents to inform me of anything. I have a police report, identity theft report and the officer is willing to speak with them regarding this and they still continue to hang up on me and not inform me of what is going on with this account.
Product: Credit card

12 u.s.c. 95a ( Emergency Banking ) Relief ACT 1933- Acknowledging all transactions as obligations of the United States Public law 73-10 ( XX/XX/XXXX ) requiring all obligations to be discharged and legal tender.

Federal Reserve operating circular 10-governing the processing of promissory notes as collateral for issuance of credit. 
Securitization : convert the instrument into a bank asset backed security ( XXXX  and record it in the appropriate eternal ledgers under the bank 's asset accounts. 

I have sent the payment twice certified mail return receipt the first date that I sent it certified was XX/XX/XXXX the second time was XX/XX/XXXX and I have got the return receipt where they the agent signed for it and they are saying that they've never received it and they keep sending me a bill and threatening me that if I don't get if they don't get their payment in time that my credit report will show a negative rating and a negative rate can potentially have bad in bad consequences including liability to get a car loan a home loan refusal of job and to rent a house so they're also threatening me. I have the proof that it has been sent certified mail return receipt twice and they just keep harassing me
Product: Debt collection

I have received numerous calls regarding this debt I have asked all of the collection agencies to resolve this issue I have filled out many affidavits starting in 2020. I have never received a detailed statement of charges I get a print out with two charges interest in late fees but no detail on when or what was bought at Nordstrom. I have tried many times included hiring a credit repair company to dispute this claim for me and no repose to them either I have no other debts on my report except for this and it is affecting my credit when this is not my responsibility and I have asked many times for this debit to be removed from my credit!
Product: Checking or savings account

On XX/XX/2020 at approximately XXXX XXXX I received a notification from my chime account stating XXXX was removed from my account at an out of network ATM. At this time I was at home and my card was in my wallet. I immediately called Chime customer service to inform them them that I didnt not make that transaction, I was told I had to wait until the transaction was no longer pending to file a dispute. I asked the agent why wasnt this transaction flagged due to the fact that It was unusual activity, I rarely remove money via an ATM and especially not that large amount and was under the impression there was a {$500.00} daily ATM limit. Agent could not provide me with an explanation as to why my funds were not protected.I asked the agent where was the ATM located that was used so I can file a police report. I then called XXXX   police department to file a report. On XX/XX/2020 the transaction finally posted and I was able to file a dispute. I provided Chime with the case number the detective gave me and a written statement of the events that occurred that day. I also informed chime that my card was definitely on me and I have not shared my pin with anyone. Because I am a single parent I called Chime asking when will I receive my funds back I have to care for my children. I was told I would be receiving a provisional credit on XX/XX/2020. It was extremely hard for me to wait because that was all that I had due to the pandemic so I called XXXX to file a complaint about the wait time and was unable to be assisted.On XX/XX/2020 the day before Chime was suppose to give me my credit I received an email stating my claim was denied and no error occurred on my account. I immediately responded stating that is completely false and why did I file a police report if no error occurred. Its been weeks since this even occurred and I am in desperate need of my money back and dont know what to do. Im so afraid because now I think that the people that stole my Money are Chime agents and thats why they falsely denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I submitted a dispute with Experian regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from Experian regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. 

As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. 

I urge Experian to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that Experian provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of $ XXXX via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.
Product: Debt collection

I received a letter from a collections agency, Transworld Systems Inc, claiming that I have an outstanding XXXX charge that had been turned over to collections. I almost always pay for shipping when I am at the XXXX Store so this didn't make sense. I have a basic XXXX account that I rarely use, so I logged into my XXXX account and there are no invoices or charges there. I have also never received an email or mailed invoice from XXXX for this charge. I'm concerned that this is some kind of scam where someone has billed something to my XXXX account. I did an internet search and it seems there are others in my same situation with XXXX and Transworld Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX  XXXX Balance : {$130.00} XXXX XXXX  XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$130.00} Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right t
o privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXX {$900.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting

I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having 2 missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.
Product: Mortgage

Back on XX/XX/XXXX I filed a complaint against this XXXX/Loan Care company because I felt was very unfair I would be penalized to pay an extra {$10.00} for online payment. 
On XX/XX/XXXX a rep from Loan Care called me, said they would do a one time courtesy refund for the first 2 {$10.00} taken and advice that if I set payment to process as auto draft I would be waived the {$10.00} every month. I was only refunded {$10.00}, never {$20.00}. 
I did so, setup auto draft, but due to their system take 2 month almost to process, I was forced to call in XXXX because I got a letter stating my first auto draft would be XX/XX/XXXX, I called to let them know I did as told and set it up for XXXX ( ya-ri-ya-ri-ya ... explaining ), spoke with XXXX on XXXX at XXXX XXXX, he apologized and said as ( again ) one time courtesy, seem all they do is first times, he would take the payment over the phone with out fee and confirmed next pymt would be auto drafted ( XX/XX/XXXX w/o fee - which happened ). Now I am getting a statement in which they added that fee that XXXX clearly said would be waived. Once again had to called Loan Care, spoke with XXXX today XXXX at XXXX XXXX, he read out the notes. He confirmed the XX/XX/XXXX conversation, saw notes about refunding my {$20.00}, I told him only got one and also read the XX/XX/XXXX notes which I paid w/o fee bc was waived. Now they want those {$10.00}. Clearly this company can not be trusted, each rep gives you a different story, no management comes to the line or supervisor to speak with.