23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to seek your assistance in a financial fraud case that has caused significant financial losses for me and several of my friends. I believe this case involves criminal activity, including the use of stolen identities and stolen credit cards. 

Summary of the Situation : I was initially contacted by a buyer through XXXX XXXX who successfully purchased XXXX items from me. After establishing trust, the buyer requested that I help him obtain multiple XXXX XXXX XXXX and XXXX XXXX models, offering an additional {$100.00} for each phone. Over the course of these transactions, I sourced around XXXX phones for the buyer. 

The buyer made payments to me via Venmo using the XXXX XXXX XXXX option, which made me believe the transactions were legitimate. However, after receiving the goods, the buyer claimed my Venmo account had reached its transaction limit and requested I use different accounts to receive further payments. I then involved several friends to facilitate these payments. 

In total, the buyer sent me around $ XXXX. After all the phones were delivered, I was still owed approximately {$6000.00}. Shortly after, I learned that the buyer had used stolen identities and credit cards to make these payments, and Venmo began disputing the transactions to me and my friends. I am now being held liable for all the disputes that are occuring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX WEBSITE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts. I am not able to see or dispute negative information on my report.
Product: Debt collection

I received a letter from Hunter Warfield XX/XX/XXXX claiming I owe XXXX   XXXX  XXXX. I requested debt validation and sent my documentation proving I did not owe the debt on XX/XX/XXXX and did not receive validation until XX/XX/XXXX after I filed a complaint with the XXXX   XXXX  XXXX  on XX/XX/XXXX. There is a buyout clause in the original contract that states 30 day notice and one months rent which I followed XX/XX/XXXX. Hunter Warfield stated they did not agree with the buyout clause even though I have documentation including contract, 30 day notice, and vacate letter along with certified mail confirmation. Hunter Warfield sent me a contract on XX/XX/XXXX that is a falsified document and my signatures have been forged. I have been in contact with the XXXX  XXXX  XXXX of West Florida since XX/XX/XXXX and have resent all documentation to Hunter Warfield on XX/XX/XXXX disputing the debt again. Today, XX/XX/XXXX they reported as collection account on my credit, bringing my excellent credit score down 85 points. I have all documentation to prove I do not owe this debt and that Hunter Warfield is using a falsified rental contract to report that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information, personal information could have potentially been stolen. now my credit will have to be put on hold and I have to monitor account and buying a home this will stop all my financials issues and keep me from moving forward with credit.
Product: Credit card or prepaid card

I have 2 cards with Capital One and both are Quicksilver cards. One ends in XXXX and the other ends in XXXX. My issue with the card ending in XXXX is that my credit union attempted to pay my bill and it did not go through, causing me to be late by 3 days with my payment and Capital one charged me a " Past due fee '' of {$29.00} which they are refusing to reverse. The other card, ending in XXXX, was recently charged a {$39.00} annual membership fee which I was told a year ago, would be permenantly reversed. When I asked about this, a supervisor asked me for the name, ID and badge number of the associate I spoke to, then acted like there were no notes of my conversation with them. First off, how would I know a person 's ID and badge? Next, they have waived this fee every year since I got it, as I was offered a card without a fee first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities.

While Experian has made some effort to make corrections they have not made all of them. 

Similarly XXXX  has made some corrections, but not all of them. 

XXXX  has made no effort. In fact, unless I pay them {$24.00} I'm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {$24.00} fee. To this date they are difficult to work with, to XXXXhe point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day XXXX disputed the inquiry ... even if I disputed at XXXX at night! ) : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, EXPERIAN XXXX XXXX, XXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX CT 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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I send a request for investigation to XXXX. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes Discover Financial No Changes XXXX XXXX XXXX No Changes XXXX  XXXX XXXX ( USA ) No Changes XXXX XXXX  No Changes Jefferson Capital System Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, Jefferson Capital System. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX  report has many errors including my date of birth of XXXX XXXX XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXXXXXX XXXX XXXX.also, my XXXX XXXX  has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

Late in XXXX I started to receive letters about my property not having hazard insurance from Newrez- they had recently purchased my mortgage from a a previous servicers ( XXXX ). On XXXX XXXX, I sent Newrez a letter of complaint and proof of my XXXX property having hazard insurance. They responded that they were looking into the matter. In XX/XX/XXXX, I started to receive letters and documents of future charges into my escrow for hazard insurance. I once again sent them proof of my insurance of property to XXXX This month I received another letter stating that Newrez had purchased hazard insurance on my behalf.
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( TransUnion ) Never Sent '' periodic statement along with t disclosures from section 1637 I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
XXXX Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan on a finance vehicle as a cosigner with Santander consumer USA is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with Santander consumer USA and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents
Product: Credit card or prepaid card

The company finally contacted me after numerous phone calls, request for contact on their site, email to the company, XXXX  complaint, and finally a complaint submitted to CFPB. I want a payment applied to a specific line on my account. I traded in a phone to XXXX which was financed using XXXX finance. They are refusing to apply a payment to the line of the phone I traded in because I have a line in which is deferred interest rather than waived interest, claiming it is in my best interest to apply the payment to the deferred interest line first. However, the deferred interest credit line does not come due until XX/XX/XXXX, of XXXX, and has a balance of only {$720.00}. If I wanted to I could make that payment today. In reality, I didn't need to finance that purchase in the first place but at 0 % for 2 years why wouldn't I so I can keep my own money in the bank accruing interest for me. 

Additionally, we traded in my girlfriends phone back in XXXX and a supervisor at that time applied an additional payment to the line it was financed on rather than the deferred interest line and stated as a supervisor she could but a regular customer service agent could not. I have statements showing the payment was applied to the waived interest line rather than the deferred interest line. The lady I talked to even saw them but claimed the last supervisor was not supposed to do it. My XX/XX/XXXX statement is attached showing two payments on page 3, one for {$130.00} and one for {$53.00} going to credit lines XXXX and XXXX respectively, which as shown on page 1 of the XX/XX/XXXX statement also attached were waived interest lines. 

The lady refused to connect me to a supervisor stating she was a supervisor and her supervisor does not take phone calls. I then told her to have him/her call me to which she replied they don't make phone calls. 

So, they are forcing me to continue paying for a phone I no longer own because they refuse to apply MY money to MY account in the manner in which I want. This is absolutely asinine. I will make $ XXXX this year and hardly need these XXXX to tell me what is in my best interest financially. 

I am seriously considering contacting a lawyer.
Product: Mortgage

A brief history. I am a victim of mortgage fraud and still in federal court because I found fraud on the court. This fraud on the court allowed me to stay in the XXXX XXXX. But as ProSe I made some mistakes. Now XXXX years later I am back at the Supreme Court and need your help. Attached to this email is a letter from Supreme Court telling me my appeal must be properly brought before the court dated XX/XX/2016. Also attached a timely filed brief by me that was restricted from the public with proof of XXXX on the XXXX and Certified Mail XXXX XXXX and lower court certified docket sheet. Also I never signed for any type of home improvement, cash advance or to pay taxes. It was suppose to be a simple refinance for {$59000.00} If you could give me the contact information again by phone or email a great service is done. 
Thanking you in advance. You can call or email me anytime. This is to important and time sensitive. 

XXXX XXXX XXXX
Product: Credit card

Best Buy credit card from CITI bank applied and interest of {$590.00} on XX/XX/XXXX on a remaining balance of {$390.00}, during that time and all the time I have my credit card on autopayment which applies the statement balance automatically every month and have not been late a single day since being a CITI bank customer. I was checking my account on XXXX when I found about that interest charge so I contacted the bank and explained that I never received any notification about the promo ending or an interest being applied I didn't even receive my statement or any kind of information through mail or email from citi bank so i can pay the balance. i asked them to waive that interest and that i will pay off the balance completely but they kept lying and falsifying the information being provided : first of all, it is not passed the XXXX business days role yet, so technically i can still dispute that interest charge, their customer service XXXX employee ID XXXX was rude and unprofessional and kept lying regarding the data being provided or on the account. I simply asked for this to be escalate so i can have it fixed but no one helped or did anything. this is simply a scam, i only had a balance of $ XXXX but they went ahead and charged me an additional {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed it last XX/XX/22 upon checking it. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 originally had my mortgage with XXXX XXXX starting on XX/XX/XXXX. My loan was sold to XXXX on XX/XX/XXXX. I received a letter from XXXX stating that my XXXX mortgage payment was to be to them and not XXXX. I paid my XXXX and every payment after to XXXX on time. XXXX did not update my account to show my loan was no longer active with them. They then reported my account delinquent for XXXX and XXXX. This action caused my credit score to plummet XXXX  points. My credit score was XXXX before this happened, I worked hard to get it to that point. I opened a dispute with Transunion about this error on XX/XX/XXXX. I sent the letter I received from XXXX as documentation for the dispute. It was not corrected. I called XXXX and they refused to send me a letter to say my account was closed and was not delinquent. I opened another dispute on XX/XX/XXXX. I called and emailed XXXX and they finally sent a letter stating that follows : A review has been made to past reporting of your account to the credit bureaus. The review was specific to the following and the actions taken regarding the discrepancies are identified : Dispute : The Borrower is requesting negative reporting for XX/XX/XXXX to be removed and update loan as service released as of XX/XX/XXXX Review Findings : The Loan was reported late for XX/XX/XXXX due to a delay in the XXXX system to update loan as service released Corrective Action Taken : A correction was submitted to the credit bureaus on XX/XX/XXXX nd XXXX to update the loan as serviced released and removed negative reporting for XX/XX/XXXX from the borrowers account. To obtain a status with the credit bureaus in regards to this correction, you may use the AUD Control Number : XXXX ; which is the reference number associated with the correction. 

The delinquency was not corrected. It still says my account was 30 days late and this will stay on my credit report until XX/XX/XXXX. I have opened yet another dispute on XX/XX/XXXX. I called XXXX and they said they have responded to Transunion and have made the correction. The dispute is supposed to be resolved by XX/XX/XXXX. This has taken time and energy and a mental toll on me to get this corrected. I feel this error was not taken as serious as the consequences it caused me with my credit. I feel the representatives at XXXX and Transunion did not take the proper steps to have my account corrected quickly and with good customer service. I do not feel like this resolution was a priority and it should not have happened in the first place. This has caused my undue stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Acima has been paid off since XXXX of 2021, yet the have not updated the reporting since XXXX. It is now XX/XX/XXXX. It is still showing I owe XXXX dollars which I don't and my payoff amount was {$880.00} which was done.