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

On XX/XX/2020 to chime bank institution took {$700.00} out of my bank account and transferred it to to go bank without any of my knowledge meant I called and complained did several disputes chime did nothing about it but blame me for the incident and told me that I would have to investigate myself to see where my money went to I am a single parent and this has put me in a financial hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMSTHAT I WANTED TO REMOVED! XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$850.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$210.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an officer of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
Product: Mortgage

Carrington is currently my mortgage servicer and owns my loan. 
( Note : my husband died in XXXX, and his probate is currently active, the administrator failed to perform any duties assigned such as managing the estate and paying debts an i believe she is the cause of default. ) The admin. took possession and changed all locks etc. In XXXX. I paid till XXXX. 
The loan now is in default I submitted an application for a va loss mitigation to Carrington with a stay from forclosure until XXXX XXXX. During this mitigation carrington sent me letter stating the sold my loan to XXXX a sevicing comp. that provide legal services usually pertaing to Estates. Now, the admin is suing me for receivership and her probate attorney was just substistituted with a lawyer from XXXX!! I am in loss mitigation! How is this not FRAUD!! Please forward a copy to all other departments this complaint covers.
Product: Debt collection

I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!
Product: Credit card

I have a credit card with Lowe 's. I received my bill due XX/XX/XXXX that included a regular purchase I made for {$120.00} along with a remaining balance on a promotional amount of {$190.00} ( due in full by XX/XX/2016 ). I made an on time payment of {$150.00} through their automated system. I recently received my statement that is due on XX/XX/XXXX and I notice an interest charge for XXXX. I did n't understand why this had occurred considering the payment I made covered the purchase of {$120.00} and the minimum payment of {$25.00}. I contacted Lowe 's credit card on XX/XX/2016 and the agent told me that the interest was charged to my account because it applied the bulk of my payment to the promotional amount since it was coming up on its maturity. I explained to the agent that it should be applied to the charge that would be assessed the interest first which would have been my regular purchase not my promotional amount. She disagreed and said it was a system decision. Unfortunately, the system is wrong in choosing how I want my payment applied. She informed me that I would have had to call back to tell an agent how I wanted my payment allocated. This is absurd to assume the payment would be applied this way and very sneaky on their part. I also noticed this must have happy at some other point this year and I did n't catch it. They charged me {$1.00} at some point assuming for the same thing. This is criminal. If I do n't pay the promotional amount by the payoff date then I should be charged whatever interest I deserve to be charged. Those are the terms I agreed to. Nothing else. The agent did refund me the {$2.00} interest but I would like the {$1.00} back and for them to change their practices or I will not continue to utilize their card. I have utilized other promotional offers with other companies and nothing like this has happened before.
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 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 an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan
Product: Credit reporting or other personal consumer reports

I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX or Transunion consumer reports.

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

CC : XXXX and Transunion
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed some inaccurate posted on my consumer report XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXalance : {$300.00} XXXX XXXX DEPT OF ED XXXXXX/XX/year>
Product: Checking or savings account

Bloomingdales charge a {$300.00} aCH payment to my XXXX  XXXX XXXX account. I tried contacting XXXX  XXXX XXXX and Bloomingdales and received no help. Theyre stating it takes 2 to 3 months to resolve the issue. I have other payments due that will be late because I do not have the funds. The funds were stolen from me.
Product: Debt collection

My PayPal account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to XXXX XXXX collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at Nordstrom Rack in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called Nordstrom card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.
Product: Debt collection

PHOENIX FINANCIAL is attempting to collect on an account that is not mine
Product: Debt collection

I received a collection notice of {$390.00} from XXXX XXXX. I called XXXX and the account number provided on the notice is not XXXX and I was told to call XXXX XXXX. I called XXXX XXXX and the account they pulled up shows a balance of {$55.00}. The account is currently in dispute as account was opened fraudulently. XXXX stated there has been no activity on the account nor has ever had a balance other than the {$55.00}, so I am not sure where EOS CCA is coming up with their balance of {$390.00} because it is completely incorrect and not owed!
Product: Debt collection

When I was released from the hospital, I had the hospital to consolidate all of my medical bills into XXXX so I can make monthly payments. XXXX was accidently left out by the hospital and sent for collections to XXXX. In XXXX of 2015, I contacted the agency and explained the situation and they agreed to completely remove from credit report once it was paid. I immediately paid over the phone. I recently checked my credit report and it is still on there. The hospital removed it because it was an error and now the collections agency is unwilling to remove it because they said " the rep that I spoke to did not note it. '' I can not help that the representative did not do their job. I kept my word and paid the balance, I would like for them to keep their word. I have called twice to speak to manager and each time the manager has refused to speak to me about this matter.
Product: Credit card or prepaid card

Hello- I received an email from XXXX XXXX on XX/XX/XXXX notifying me that my Macy 's account was recently closed, which was a complete surprise. I logged onto my Macy 's credit card and it showed that they closed my account on XX/XX/XXXX. I never received any advanced notification that my card would be closed and I have had this account since XXXX ( 20 years ). I contacted Macy 's via email on XX/XX/XXXX requesting them to re-open the account and informed them this could negatively impact my credit report while trying to secure a home mortgage. Macy 's responded on XX/XX/XXXX and informed me my card was closed due to inactivity since XXXX. This is completely untrue and I just used my card on XX/XX/XXXX to return a item for {$9.00} that was purchased in XXXX. 

Besides that, Macy 's seems to forget that we were in a worldwide pandemic where their stores were closed for the majority of XXXX and they have had reduced hours ever since, making it difficult to shop there to even use this credit card. Had I known Macy 's was planning to close my account, I would have made a purchase just to keep this card open and to especially maintain my credit rating. I definitely planned to use this card in the future and now I could be at risk for having a mortgage denied because of this unexpected credit card closure.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I provided business coaching services to XXXX XXXX in which this customer paid me via PayPal {$140.00} for 2 1 hour sessions of coaching. The first hour was completed. The second had a scheduling conflict due to a death in the family in which I asked my client to rescheduled sent him my calendar to do so. He never responded. On XX/XX/XXXX we had an email conversation about getting him help with a merchant account but not once did he mention rescheduling his session nor a refund. On XX/XX/XXXX he disputed the entire {$140.00} with PayPal claiming that he never received my services and I never responded to any of his messages. PayPal gave me 10 days to respond in which I responded on XX/XX/XXXX both to PayPal and to the customer. The transcript which is also in the notes of the PAypal transaction as recorded by PayPal are attached. On XX/XX/XXXX, PayPal sent me an email claiming that I never responded ( even though they show the notes where I did ) to the claim and that they would rule in the customers favor, deducting {$140.00} from my PayPal account. I later found out that this company XXXX XXXX is a fraudulent company posing as a Credit Repair business and is known for scamming people out of their money. I am distraught that PayPal would stand behind them vs me a loyal merchant who brings in thousands of dollars in customer transactions per month.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, US DEPT ED # XXXX, US DEPT ED # XXXX 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

Equifax confirmation # XXXX investigation results dated XX/XX/XXXX stated that the disputed public record was not reporting on my credit file. I'd previously sent many certified letters with documented proof that this was an erroneous and unverified public record by purchased from 3rd parties. I then requested a copy of my full credit file so I can see proof that the record was indeed removed and instead I get a full reversal of the investigation with no valid reason why in Equifax confirmation # XXXX dated XX/XX/XXXX stating they will keep the erroneous, unverified public record damaging my credit rating for 10 years. 

I know for a fact that Equifax has not verified this public records because I called the Court house and received a written statement that this information was never transmitted to Equifax or anyone else. I also know that Equifax has not verified this information form XXXX XXXX because 1 ) I've have an identity theft/breach freeze on the account since XX/XX/XXXX and 2 ) XXXX XXXX is a 3rd party vendor that sells data to reporting agencies and do not have the ability to verify or validate the accuracy of the information under any circumstances. 

So before I escalate this continuous issue with Equifax to small claims court seeking no less than {$5000.00} in damages I am raising this issue via CFPB and the Federal Trade Commission so my FRCA rights can stop being violated. I have attached the documented proof from the Clerk of Court, and responses by Equifax showing the conflict and total reversal in the investigation results. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX