23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX I placed my order # XXXXMy card was charged for this purchase of A Shower Installation. It shows that the order is completed but The XXXX XXXX XXXX does not have the order and refuses to answer the phone or complete the order which has a tenant waiting.XXXX XXXX XXXX XXXX XXXX gave me complaint # XXXX to give an order number or a completion and no call back.
Product: Checking or savings account

I am having a fraud protection problem with my financial institution. I lost my bank card and they will not replace it even after I sent them all the documents required in order to satisfy their fraud requirements. They are XXXX and I am XXXX XXXX, XXXX XXXX # XXXX, SS # XXXX. Their # is XXXX XXXX XXXX and their email is XXXX.
Product: Consumer Loan

LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me
to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking the Credit bureau to do a thorough verification on my credit report and they did & they stated everything was accurate after. I actually performed my own research after and the information in still is inaccurate. 


XXXXXXXX XXXX # XXXX Account # : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated, XXXX XXXX  XXXX my rights 1518 A 1881 saction 602 A. States I have the nant to pnvacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructons
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, & XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Transunion, & XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Transunion, & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Transunion, & XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXX, Account # 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 604 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've contacted the source for the credit agency XXXX XXXX to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and TranUnion continues to report that XXXX XXXX is reporting the information is correct and remains the same. I've submitted the report from XXXX XXXX and they still refuse to correct the information or show proof of anything different from XXXX XXXX or the Courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank unable to verify information with XXXX
Product: Debt collection

on XX/XX/XXXX I reviewed my XXXX credit report, which listed 8 different accounts from XXXX XXXX XXXX. I sent a letter to XXXX requesting validation/verification of this debt as I do not believe it belongs to me. I received the results of this report today XX/XX/XXXX, which stated these accounts had been verified by XXXX XXXX XXXX. However, I received no written proof of these accounts as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my vehicle loan last month in full and Bridgecrest updated my credit report to show that it was paid in full and closed. For some reason they have decided to reopen the account and show a balance still due which has caused my credit score to tank. When I tried to submit a dispute through XXXX they have denied my request for an update saying it was being reported correctly as open and a balance due even though that is factually incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted all the proper documentation for a block on my credit report, in accordance with section6058 of the fair reporting act.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. These erroneous information is negatively impacting my credit report, and I request that you promptly correct them. 
I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process. 

I insist that you immediately cease reporting these accounts as late on my credit report. Failure to comply with this request may result in legal action against your agency. 


These information I am disputing 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

I have reached out to this company over five times regarding the fraudulent account and inquires on my credit report due to identity theft I lost my wallet with all my belonging in it a few years ago I never thought someone would be using my identity the whole time I never checked my credit until recently due to the fact I was looking for a new apartment I have provided an the necessary documents. In the FCRA 605b ( 15 U.S.C. & 1681 c-2 ) it states ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report I have provided the identity theft report along with other required documents.
Product: Credit card

I received a notice that my credit score had changed and found that XXXX had reported a 30 day past due credit notice to the credit companies. When I contacted XXXX, they told me I had a {$15.00} past due balance, that I had signed up for e-billing, and it was past due. They then told me they did not show where I had registered for an e-billing account, but told me I should have received an electronic statement. I did not receive any statements, electronic or paper. The representative indicated they had tried to contact me, but they use " robo-calls '' that come in as Private Numbers. There were no messages left by anyone about a past-due bill, and no bills received by me. I asked them to contact the credit bureaus and reverse the credit reporting and they refused to. I have had no history of late payment with XXXX and was not aware, or made aware of a late payment via email, mail, or phone message. The phone numbers they had on my file were incorrect when I contacted them. They updated my numbers at the time of my call. I paid the balance due in full. They refuse to accept responsibility for not contacting me or informing me of my late due payment.
Product: Vehicle loan or lease

1. They sent out a check it bounced two months ago it took 4 weeks to get here 2. They sent a check the manager ied about the time frame about it wokring once again i tried to cash ut last week it bounced again. 
3. The manager laughs while talking to me about this issue every single time i have voice recording of each conversation i am getting docked money plus im Over drawn on my account thinking this is going thru I dont want to wait for another check they dont have a resolution they do called will call me and have not since
Product: Credit reporting or other personal consumer reports

On this time I wasnt able to get any credit because I was in XXXX
Product: Credit card

I have filed a police report and ftc report that's included in my uploaded documents pertaining to these fraudulent inaccurate unauthorized accounts by the fcra states that unauthorized fraudulent accounts an address has to be deleted immediately in a timely manner also as required by the FCRA S 605b ( 15USC S 1681c-2 ) which states to be deleted in 4 business days please delete XXXX XXXX XXXXXXXX Account # : XXXX {$21000.00} date opened XX/XX/year> Account # : XXXX amount {$20000.00} date opened XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Money transfer, virtual currency, or money service

I initiated a transfer on XX/XX/year> through Ria Money Transfer ( Order No. : XXXX ) with a total amount of {$1200.00} USD, which included a transfer fee of {$9.00} USD. The intended transfer amount was {$1100.00} USD, with the recipient expected to receive XXXX XXXX  in their bank account in XXXX. According to Ria, the funds were supposed to be available on the same date. 

However, despite the transfer fee paid, the transaction was not completed, and the funds have neither been deposited into the recipients account nor refunded to me. After multiple follow-ups with Ria customer support, I received conflicting updates. Initially, they stated that the transaction was in process and would be canceled soon. Later, they informed me that they needed confirmation from the recipients bank to complete the cancellation. This lack of consistency and communication has led to significant delays, and I am still waiting for my refund, including the transfer fee. This experience has caused frustration, especially as I have faced similar issues in previous transactions with Ria.
Product: Credit reporting or other personal consumer reports

Capital One has an account on my profile listed as charge off collections as well as paid in full.. this is confusing cause the account is paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting
Is INTENTIONALLY WITHOUT
ANY LEGITIMATE DISPUTES
AND AT RANDOM LOWERING
MY CREDIT XXXX SCORES BETWEEN 23 TO 40 POINTS
EVERY MONTH BECAUSE I TOLD THEIR CORPORATE HEADQUARTERS TO XXXX XXXX XXXX AND TOLD THE
CEO OFFICE SECRETARY THAT EXPERIAN CREDIT REPORTING AGENCIES ARE
AT RANDOM LOWERING EXPERIAN FICO SCORES FOR
NO APPEARANT REASON WHILE MY XXXX  AND XXXX  FICO SCORES ARE AT XXXX  AND XXXX XXXX SCORES AND LAST WEEK MY EXPERIAN FICO SCORES WERE IN HIGH XXXX
TO LOW XXXX AND EXPERIAN 
DOES THIS BETWEEN XXXX TIMES A YEAR BY AT RANDOM JUST LOWERS INDIVIDUALS EXPERIAN CUSTOMERS XXXX SCORES AND THE CUSTOMERS XXXX
SCORES ARE GOING UP WITH
XXXX  AND XXXX  BY OVER 25 TO 40 POINTS!* WHAT IS AND WHY IS EXPERIAN CREDIT REPORTING AGENCIES DOING THIS AT RANDOM WITH NO LEGITIMATE REASONS OTHER
THEN TRYING TO MANIPULATE AN INDIVIDUALS XXXX SCORES BY
INTENTIONALLY LOWERING MY XXXX  SCORES BY EXPERIAN CREDIT REPORTING AGENCIES SERVICES WHILE MY XXXX SCORES WITH XXXX  AND XXXX  ARE GOING UP
XXXX  AT XXXX  AND XXXX  HIGH XXXX*
*WHY DOES EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATIONS ALLOWED TO
MAKE UP AT RANDOM REASONS FOR LOWERING AN INDIVIDUALS XXXX SCORE FOR NO REASONS AT ALL!!*
*PLEASE INVESTIGATE EXPERIAN CREDIT REPORTING AGENCIES PRACTICES AT ONCE AND PLEASE ON MY BEHALF FILE
CRIMINAL COMPLAINTS AGAINST THEIR STAFF AND CORRUPT CORPORATE EXECUTIVES FOR INTENTIONALLY MANIPULATING MY XXXX SCORES AND FOR FALSELY 
REPORTING MY GOOD FAITH
ON TIME PAYMENTS WITH ALL MY CREDITORS AND CREDIT REPORTING AGENCIES AND PLEASE CHARGE THE CORRUPT EXPERIAN CORPORATE HEADQUARTERS EXECUTIVES 
WITH FEDERAL CRIMES AS
THEY FALSIFYING MY GOOD
CREDIT RATING!*I WANT THE
EXPERIAN CORRUPT CORPORATE EXECUTIVES TO
BE PROSECUTED FOR VIOLATIONS INTENTIONALLY 
VIOLATING MY PRIVACY AND
FORWARDING FALSE NEGATIVE CREDIT REPORTING INFORMATION TO
MY OTHER CREDITORS WITHOUT MY KNOWLEDGE OR CONSENT AND ALSO EXPERIAN CREDIT REPORTING AGENCIES SOLD
MY PERSONAL CREDIT AND
PERSONAL INFORMATION AND GAVE OUT MY SOCIAL SECURITY NUMBER TO AN OVERSEAS EXPERIAN CREDIT REPORTING AGENCIES THAT FALSELY REPORTED MY GOOD
CREDIT CARD PAYMENTS HISTORY!*I WANT EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATE EXECUTIVES PROSECUTED FOR FEDERAL CRIMES AGAINST ME!*
YOURS TRULY,
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I contacted Chase ( JP Morgan Chase and Co ) on XXXX/XXXX/16 and was told that the total balance was {$6900.00}. This amount was paid on XXXX/XXXX/2016 and Chase was instructed to close the account. The account remained opened and purchase interest charges were assessed on XXXX/XXXX/2016 and XXXX/XXXX/2016. There is now a balance of {$72.00} on an account that was suppose to be closed after the final payment was made.
Product: Debt collection

To whom it may concern : Synchrony Bank is reporting an " alleged account '' in the amount of {$1800.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.
Product: Mortgage

US Bank took my payment off {$5000.00} and did not apply my additional principle amount ( {$3100.00} ) to the principle, instead they applied part of it as a ( second ) future payment, then took the remaining balance and applied it to principle. I talked to a few people there and was finally told the computer does that automatically. I know this is not true as I have paid way more than that on another monthly payment and the remainder ALL went to principle. I clearly had the amount in the box marked additional principle. This should be against the law, if it is not. I wonder how many other people they are applying the money meant for additional principle payoff to future monthly payments. This method allows them to collect more in interest, which exactly what I was trying to reduce and then they can sit on my money while it makes them interest as it sits in their bank until it is due as a future payment. Essentially they were stealing from me. Below is pasted from the statement " XX/XX/2018 XX/XX/2018 Principal Payment {$1300.00} {$0.00} {$0.00} {$1300.00} {$3200.00} {$210000.00} XX/XX/2018 XX/XX/2018 Payment {$650.00} {$710.00} interest - basically they tried to steal this from me! 
{$460.00} {$0.00} {$3200.00} {$210000.00} XX/XX/2018 XX/XX/2018 Payment {$650.00} {$720.00} interest {$460.00} {$3600.00} {$2700.00} {$210000.00}
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX, Equifax Mortgage Solutions 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

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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 XXXX years. Lastly, 15 USC 1681 s-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX forcing paperless billing without consent. 
Did not get a paper bill for XX/XX/XXXX/XX/XX/XXXX then again XX/XX/XXXX/XX/XX/XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XX/XX/XXXX statement then paid {$39.00} fee {$31.00} interest XX/XX/XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and XXXX need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent
Product: Mortgage

My mortgage was with XXXX XXXX, who went bankrupt. The mortgage was purchased by XXXX and is now serviced by XXXX. 

I did not receive my paperwork with the new loan number before my XX/XX/XXXX mortgage was due, so payment went through referencing the XXXX loan number. 

My payments are automated via a XXXX through my financial institution, XXXX XXXX. My loan is for {$400.00} and my payment is {$410.00}. 

My XXXX and XXXX payments were not applied to my mortgage. I began calling Loancare in XXXX. 

My mortgage is due the XXXX of every month. 

I received notice of Servicing Transfer dated XX/XX/XXXX stating my mortgage is {$400.00} and where to send payment. This came after my mortgage was already sent XX/XX/XXXX XXXX {$410.00} sent ) I changed the loan number on the new payee in my XXXX at XXXX. 

About the same time I received a copy of the bankruptcy filing for XXXX XXXX XXXX. 

XX/XX/XXXX I received a payment reminder for {$400.00} plus {$11.00} which was the difference in my escrow account. 

I mailed a payment for {$11.00} with the new loan number. 

My XX/XX/XXXX statement from XXXX arrives XXXX dated XX/XX/XXXX and due XX/XX/XXXX ) and shows me behind {$400.00} and no receipt of my escrow monies. I called and asked them to investigate. I spoke to XXXX who asked me to send her a copy of the payment transmittal from XXXX. I sent this to an email she gave me, payment XXXX. I was told I would get an ticket # upon receipt of the email. I did not get a ticket number and no one replied to my email. 

My payment for XX/XX/XXXX had the new loan # on it for LoanCare. 

XX/XX/XXXX I am told by XXXX that he put in a request to have those XXXX payments reversed from my original loan number to my correct, new loan number. He says it will take 7-10 business days and should happen around XX/XX/XXXX and to check back then. 

XX/XX/XXXX I get an letter from Loancare about my missed mortgage payment and paperwork for mortgage assistance to avoid foreclosure. 

I contact my financial institution, XXXX XXXX to verify that these payments are indeed being sent. XXXX steps up and agrees to contact LoanCare. XX/XX/XXXX I receive a letter back from XXXX stating that LoanCare was " unable to release information to third parties. '' XXXX also included a copy of the XXXX payment transmittal to Loancare. Payment date, XX/XX/XXXX plus all electronic trace numbers associated with the payment. 

My statement from XXXX dated XX/XX/XXXX for payment XX/XX/XXXX arrives and shows me being {$810.00} behind in payments. It does show the payment of escrow for {$11.00} was paid and received XX/XX/XXXX. 

I call Loancare again and I speak to XXXX. She told me I was given the wrong email address to research my loan payments. She said I needed to contact XXXX and ask for a research request. She said this would make a request for reversal of payments into my current loan. 

I called on XX/XX/XXXX to check on the reversal, I was told they BEGAN the reversal of XXXX payments on XX/XX/XXXX. 

Last week I received another statement showing me {$1200.00} past due in my mortgage payments.