23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX Our computer systems got hacked by scammers, They have scammed about XXXX by refunding money to the gift cards or cash cards. We are a business and we use bank of america as our credit card merchant provider. We have contacted bank of america and initially they have found the problem and reversed all those fradulant transaction. But after a month those scammers filled for the charge backs for all of those fradulant transaction and for some reason the charge back case went to the fradulant card holder favour which are scammers. The fradulantley charged cards got refunds of about XXXX from our bank account which is insane. 

I have been on the phone call with bank of america merchant services all day monday to friday since the fraud happened. Never received satisfactory answer. While the charge back case went to the fradulant card holders I have asked them how is that possible but they kept saying they are going to investigate and give us a call which we never received. 

The merchant service said that if the funding does not come to your account they we will issue XXXX time courtsey credit but they never did and I have all these phone call recordings as well as the email conversation with XXXX of the bank of america merchant services employee. We have submitted all the proper documentation to them but they says once XXXX gives refund to a card holder there is nothing they can do about it even after they know that this is fraud.
Product: Credit reporting or other personal consumer reports

I asked all companies to delete account immediately. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of one of many correspondences we had with XXXX XXXX starting in 2019. 

We had been with XXXX XXXX and XXXX XXXX nearly 8 hours and XXXX was in severe pain. XXXX XXXX took our drivers license and credit card and took them upstairs. We desperately needed to leave but could not without our license and credit card. We continued asking how much longer things would take and they kept running into one problem after another. We even asked for our license and credit card to be returned so we could leave, but XXXX XXXX would return to the room each time telling us that it would just be a few more minutes. We felt that we were being held hostage! We explained multiple times about XXXX health issues and told them that she was in pain, but no one would listen, and no one cared. Over 8 hours later we were finally given papers to sign. The notary continued having issues with the paperwork and when she would leave the room, XXXX XXXX would come back in with us. We purposely were never given a moment alone to talk about the contract. The documents we were signing were flipped through so fast we had no idea what we were signing or what any of it said. There was no time taken to explain anything. When we did ask questions, XXXX XXXX was there telling us that it was all information we had already discussed. 

We were made to believe what we paid monthly would be the ONLY expense involved. There is absolutely NO location that we are not forced to pay additional costs. 
We were not informed of the additional costs or fees involved and there is no way we can afford the monthly payments, additional fees, and the costs required just to travel. 
We have not been provided with the services or the product that we were promised. 
We were not provided with truthful or thorough information about this contract. 
We signed the contract under severe duress due to XXXX pain and our desire to leave after being held hostage for over XXXX hours. 
We were never told about the cancellation period until we wanted out. We were not given the opportunity to use the cancellation period as we were not able to access our account for 21 days after signing the paperwork. 
We were given 2 different versions of the timeshareone by the sales team and one by customer service when we tried to book a reservation. Customer service version of the plan was more inline with reality and not what was represented by the sales team. 
The above are all severe misrepresentations, and we continue to demand that contract XXXX be cancelled. We believe it is only fair to refund us for the amount paid on this account as it has never been used despite our many attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!
Product: Debt collection

I attempted multiple times toto get them to give e the information. It keeps being on my report and they have not provided the information I am writing to formally dispute the collection accountXXXX on my credit report. I believe my rights as a consumer have been violated under multiple sections of the U.S. Code and applicable federal laws. Specifically, the following statutes have been breached : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : I have previously disputed this information, and the credit reporting agency has failed to conduct a proper reinvestigation as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : The creditor has reported inaccurate and unverifiable information, which they have not corrected despite my disputes. 
My rights are being violated due to these laws
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX  XX/XX/21 {$800.00}
Product: Debt collection

Dear Comenity Bank and XXXX XXXX XXXX, I am writing to formally dispute the debt allegedly associated with my account, number XXXX, that has been sold to XXXX XXXX XXXX. I request that Comenity Bank and XXXX XXXX XXXX provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

**To Comenity Bank XXXX ** You have breached our agreement by failing to allow me the opportunity to exercise the dispute resolution process as outlined in our credit card agreement. I was not given proper notice or the opportunity to resolve this matter before the debt was sold to a third-party collection agency. This breach of our agreement has caused undue stress and harm to my creditworthiness. 

**To XXXX XXXX XXXX XXXX ** Please consider this letter a formal request for debt validation. I demand that you provide the following information : 1. Proof that you have the legal right to collect on this debt.

2. A complete accounting of the alleged debt, including all charges and payments.

3. Copies of any agreement that shows I am legally obligated to pay this debt.

Additionally, I hereby request that you cease and desist all forms of communication with me, except to provide the requested validation of the debt or to inform me that you are ceasing collection efforts. Any further attempts to collect this debt without proper validation will be considered a violation of the FDCPA.
Product: Debt collection

I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Product: Credit card

I have been working for over 7 months on building my credit and today i applied for my first credit card with capital one and they denied my on the spot no explanation provided
Product: Mortgage

I'm a first-time home buyer, with no realtor and my spouse was overseas when I handover a {$15000.00} deposit on XX/XX/2020 to Lennar and signed a purchase agreement on XX/XX/2020. I felt being pushed to sign it without explaining the consequences of my action considering that I don't have a realtor & my spouse was overseas. 

The mortgage company is Eagle Homes and I was conditionally approved but the conditions was not explained to me and they are not returning my call for an explanation. 

Due to covid 19 my financial situation has changed ; my mom can no longer help me with the down payment as she needs to help her other families affected by covid 19. In addition, my employer started to require us to contribute for our health benefits. For this reason, I have sent an email on XX/XX/2020 to Lennar to cancel as I can no longer afford to purchase the property. 

I have been following up with the refund of my down payment and ended up being stressed, XXXX  and end up being in the Emergency Room on XX/XX/2020 because I have been told that I can't get my deposit back being conditionally approved but my situation has changed and can longer meet the conditional approval. 

On XX/XX/2020, I just notice a notification that the contract was voided, and I raised a question to Lennar and they said that the contract was cancelled on XX/XX/2020. I was not even informed that the contract was voided XX/XX/2020 and while checking on the docusign that that Lennar will keep my {$15000.00} deposit. 

I was so stressed during this process and on XX/XX/XXXX I had my follow-up appointment with my Family Doctor and ended up having XXXX XXXX XXXX to help me relieve from my stressed so I can still take care of my XXXX ( XXXX ) kids. 

I felt being mislead and defrauded. 

I need help to get my {$15000.00} deposit back.
Product: Debt collection

Commonwealth I am wrting regarding a collection you wrongfully placed on my credit report. 

I contacted the orignal creditor you reported on my credit report XXXX  XXXX XXXX also known as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 

I have contacted them with every contact according to The state of florida department of corporations " see attached '' They do not know who I am. 

They stated due to HIPAA they could not speak to me. 
Surely this is a mistake. 

Can you please remove off of my credit report. attached you will see the owners of this company. 

Its actually not a hospital its a collection agency. I think they may have sold you my dads information. we had the same last name ... .and he died around this time. 

Its difficult for me to keep reliving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX XXXX XXXX You stop report my credit to experian since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to experian a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX
Product: Credit card

Ensuring timely payments on this account has always been my priority, preventing any occurrences of overdue status. I'm puzzled by reports of late payment remarks on my accounts ; their reasons elude me. Per 15 USC 1666b - Billing Error, corrections ought to be made.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry and Said accounts previously disputed with the CFBP ( # XXXX & XXXX ) was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer we ink signature. Consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filling form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Also company stated that I did not send them information showing what I disputed. In my previous CFBP complaint, I sent proof of the accounts that i disputed previous to this complaint and the company still has not corrected the information that i requested and this company has violated the debt collection law in New York State, the statue of limitation on debt collection on any debt that is not a business loan is 3 years. I have accounts that has been reporting since XXXX and XXXX, XXXX etc.
Product: Credit reporting or other personal consumer reports

I have previously filed disputes with the credit reporting agencies to address the inaccurate information on my credit report. Unfortunately, I have received no satisfactory response, nor have the inaccuracies been rectified. Despite following all the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful corrections to the reported information, nor have I received any clear communication regarding the outcomes of my disputes.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX XXXX and TransUnion and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These account that are on my credit report are inaccurate and are fraudulent I have no knowledge of these accounts. I never applied for any of these account and I been a victim of identity fraud.