23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I checked my credit report and its showing a XXXX XXXX account from XXXX  XXXX XXXX that was opened XXXX, this account not only is reporting as a negative account but it also was sold to a company called XXXX XXXX XXXX. I never received a XXXX form to ve able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not XXXX percent accurate. I request that this account be removed immediately do to inaccuracies and harm to my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Product: Debt collection

I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC. 

Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect. 

Please see attachment showing this company is not licensed nor bonded in Florida.
Product: Credit reporting or other personal consumer reports

credit bureaus what was the amount owed on this home depot XXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. 
And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Product: Prepaid card

moneygram refuses to refund money sent on a masterd walmart prepaid card of XXXX and also XXXX did not receive my loan on XXXX XXXX XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, It has been over 120 days and I can not receive any information regarding an account Barclay reports on my credit report every month. I was told that my account was given to a company called XXXX, XXXX reports that the account was charged off since XX/XX/2020 for {$2400.00} and they no longer have the account. I would like this account removed from my credit report since no one at Barclay seem to not have knowledge of the account. I have been calling for over 120 days trying to resolve this issue. Please reply with the solution to this issue. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Crypto.com has a XXXX debit card. I opened one and transferred {$300.00} to it. Now it shows only {$250.00} and I have not charged or used the card and there is no one from Crypto.com who can explain to me the missing {$50.00} or provide me with any documentation of it. Thus, I am hesitant to transact with them until the matter is fully resolved and explained. My customer service requests began on XX/XX/2022 and I have still not gotten any resolution or explanation of the missing {$50.00}. They respond with generic boilerplate messgaes that the matter has been assigned to " the relevant team '' and to please be patient. Several weeks have elapsed, with no explanation and the balance is still {$50.00} short. 

Also frustrating is that they offer no phone number for customer service. Maybe you need to be a very large customer to be entitled to a phone number. Only " chats, '' and emails or texts for the " rest of us, '' which all appear to be the same few representatives. I suspect that the response is really not a human being, but some artificial intelligence bot that responds based on the key words to make customers believe they are being helped. The phrases " no worries, '' " I remain available, '' and " please be patient '' are in almost all of the recent responses from this A.I. customer service bot. If it's a live person, then they monotonously use and reuse the same tired phrases over and over that they were told to use by the company to make customers believe they are doing something, when they are really just stalling and wearing down the customer.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/year> I called Synchrony Bank and spoke with a lady representative who took the call from the XXXX. I told her I wanted the account payoff balance with interest included thru today 's date. I told her I see the balance on the statement, but I knew there would be interest accruing and I wanted the correct payoff amount to close this account. She placed me on a brief hold and came back and gave me a payoff amount of {$1200.00}. I told her thank you and hung up the phone. I immediately paid this payoff amount balance in full on my phone app. In XXXX I got alerted that my credit score had gone done by XXXX points and my credit had an adverse reporting. I pulled my credit report and saw that Synchrony Bank stated that I owed them {$20.00} dollars. I called immediately and found out that the representative did not calculate the interest correctly on the payoff amount. I paid off the {$24.00}. I explained to a representative I had no idea anything was due on my account because I paid the account balance in full according to the representative. He stated he understood, and he would get a letter out to the bureaus to correct the matter. A month passed and I did not see any changes to my credit. I called Synchrony Bank again. The next agent said they could not, when I inquired about the letter not being reported. He stated they were not willing to change the error despite the incorrect payoff balance. He stated that it was not the representative fault even though she gave me the payoff balance with interest included thru that day. He stated I should have calculated the amount to be sure. I was shocked by his comments. I advised him that I was the customer who expect a level of competence by a representative whose an agent for the company. My credit has been greatly affected by their error, and I demand that it be corrected to reflect that I did not make any late payment on XX/XX/year>, and this was a clear and mistakable error. 
I have never made a late payment. I had this account for over 24 months and have never had a 30-day late payment. 

I have been a loyal customer to Synchrony Bank and their treatment of this matter is disheartening and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX herein known as " Consumer '' XXXX XXXX XXXX herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal XXXX App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention that my information and identity have been stolen on the dark web. Several accounts were charged without my permission, those in accounts Include XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX I would like this consumer information updated correctly on my credit profile and Document it four the public record
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on fie for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

Creditor Name : XXXX XXXX XXXX - {$12000.00} Creditor Name : XXXX XXXX XXXX - {$2100.00} Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Mortgage

Loan # XXXX The servicers is FCI my mortgage payment is XXXX They are getting the payments on time. now they said I have to pay them XXXX I pay my own insurance and my taxes are only {$120.00} per month {$1500.00} per year, they are not my principal and interest is {$530.00}. If my taxes are only {$120.00}, why are they putting on escrow {$370.00} These people are crooks. This loan was originally with XXXX XXXXXXXX XXXX XXXX loan # XXXX. this was a bad FHA loan from the beginning that XXXX XXXX was never able to sell. Finally on XX/XX/2022 Patriot lending assigned this loan to XXXX XXXX XXXX XXXXXXXX XXXX XXXX, with address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX they converted this loan from FHA to a conventional loan I guess. I never signed no documents, the terms of my loan was 30 year fixed. I have try several times contacting you regarding this matter, this people at this point are doing whatever they want with my loan, withouth no repercussion from the government agencies. XXXX XXXX is a foreign company transacting mortgage businesses in the state of Florida. They are not registered with HUD, nor FHA. I need you to please help me with my case, this has put a lot of stress on me and my wife. The loan is up to dated, except for this additional moneys they say i have to pay, which are not part of my original mortgage contract. I have not modify, nor refinance my loan and I believe HUD and FHA should be contacted on this matter as well. If you have any questions, please feel free to contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

TO WHOM IT MAY CONCERN : I was required to pay a fee to open up a checking account in order for me to become a member. However, my access to the online portal has been blocked for some time now and just recently I received a letter that informed me that PenFed is no longer serving my account. Meanwhile, I have not received a refund for member service charges or any notification on why the checking account was closed. Furthermore, membership to PenFed documents does not show any claim that PenFed reserves the right to close memberships including checking accounts without notification or consent or withhold refunds.
Product: Credit reporting or other personal consumer reports

The sequence of events of the incident transpired between XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX2024 thus far. The investigation is still transpiring a court hearing is scheduled for XX/XX/XXXX2024 Police report was made On XX/XX/XXXX and again on XX/XX/XXXX regarding an individual who stole and held possession of my confidential and personal identifiable information and documentation.

Since there has been multiple Hard inquiries on being reported to my consumer profile and is negatively affecting my consumer profile and FICO score. 
My XXXX  XXXX credit that was also included in the items stolen has an increased limit during the duration of the incident - that was also reported.

All Credit cards and documents have been reported stolen and replaced.

I have contacted the companies to verify information that was used in attempt to create any known inquired accounts.

A Freeze has also been placed. XX/XX/XXXX Hard inquiries listed on Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In reference to the complaint number XXXX. The sender 's bank had sent swift messages to the fifth third XXXX times, fifth third did not reply. I received an instruction from a manager in XXXX of the branches of Fifth Third in XXXX on how to send the XXXX form and request the money back. The sender ( XXXX XXXX ) initiated the XXXX form with the instruction given on XX/XX/XXXX, up till now, I have been visiting the branch and also calling the manager if I couldn't go, but the manager is telling me they have not replied her from the fraud protection if they see the request or not. Can someone please respond to my request, please? This is a typical XXXX indiscrimination against me, so humiliating and this is totally not making sense. They are just using my weakness against me. They are just treating me like XXXX, the sender had my car already so she kinda off cares less about how my bank is treating me and I keep paying XXXX XXXX on a car that should technically be sold. I don't have the money and I don't have my car either, this is just causing me XXXX XXXX every day to see a bank treating me this way for no reason. This is XXXX dollars we talking about and the fifth third is sitting on it for this long without a reasonable reason. I need someone to look into this for me. This is so shameful to see this kind of act in the banking sector.
Product: Mortgage

I refinanced my Wells Fargo mortgage. Final payment for the mortgage in full was received on XX/XX/XXXX. Wells Fargo took Private Mortgage insurance for the entire month of XXXX, because they received the monies for payment in full on XX/XX/XXXX. They refused to prorate this amount. My Mortgage agent - XXXX from XXXX XXXX XXXX XXXX in XXXX, Minnesota said that Wells should have prorated and only charged the two days PMI as all the other lenders do, but was stealing the rest of the monies. When I challenged this with Wells they said they take for the whole month. They escalated to people that either knew nothing about how the PMI was supposed to work or just said we did what we can and you 're out of luck. My understanding was that in XX/XX/XXXXthe laws changed to favor the consumer and said lenders must prorate Private Mortgage insurance. We closed our Wells Fargo Mortgage loan on XX/XX/XXXX. We had PMI taken in XX/XX/XXXX that I understand would have covered the month of XXXX because it runs behind and we paid an additional {$290.00}. representing another two months of PMI at {$140.00} per month and we should have had to pay the {$140.00} for the one month and only two days Interest for XX/XX/XXXX and XX/XX/XXXX for {$9.00} total and they should have refunded us {$130.00}. Their customer service just keeps talking to you saying we get to keep the money and then keeps polling you to ask if you 're satisfied. Of course I am not because I feel they wrongly took the {$130.00} and should have prorated and just charged us for the two days PMI. I spoke with XXXX XXXX at Wells Fargo and others to no avail. He is a really nice man but really did not know if Wells Fargo should have prorated and it seemed outside of his expertise and others had told him Wells will keep the money and that 's where it stood. Our loan closed out and we had a zero balance on XX/XX/XXXX and then were charged PMI of {$290.00} on XX/XX/XXXX. We had also paid {$140.00} in PMI on XX/XX/XXXX and of course, we paid PMI every month out of our payments and were never behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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: Checking or savings account

Name : XXXX XXXX XXXX : XXXX -- -- XXXX {$0.00} XXXX -- -- XXXX {$0.00} XXXX : XXXX -- -- XXXX {$85000.00} XXXX : XXXX -- -- {$100.00} I Opened my account XXXX online and the application was completed over the phone by a capital one rep to go through some verification process, After the verification was completed the rep opened my account successfully and I begin to use my account. On XXXX my account was compromised and I reported to the fraud department. After my claim was done and my funds were credited back to my account, capital one refused to grant me access to my fund and I was told my social couldn't be verified by the social security department which is strange. I can reach anyone on the phone and they have held my funds and refuse to grant me access to my account.
Product: Credit reporting or other personal consumer reports

Someone with the same name but different social security is reporting a collection on my report that is not mine. I contacted the merchant and they had no record but still is reporting on my credit report
Product: Mortgage

I am resubmitting CFPB complaint XXXX submitted on XX/XX/2022. In these two complaints I am requesting Carrington produce the mortgage note as evidence that Carrington owns the note. Over five years ago, Carrington notified me in writing that my loan was sold to XXXX. 

I am requesting that Carrington produce the original or certified proper copy of the mortgage note for the Borrowers and Department of Veteran Affairs inspection immediately.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX. I have repaid over XXXX. They still say I owe over the amount I borrowed. Total scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

XX/XX/21 I called Harris and Harris Ltd regarding cliam number XXXX. I spoke with a woman I was explained to her that I was on XXXX insurance now. I cant pay this debt. I dont live in Louisiana anymore. She said I see you trying to control this conversation but it doesnt work like like that. So I disconnected before she could cause me more emotional harm. I felt XXXX  and XXXX  by her tone of voice. She was XXXX
Product: Debt collection

I was called at my office during the work day where the XXXX XXXX XXXX was connected to a colleague, not myself. 

The debt collector tried to get my colleague to divulge contact information and and place of business contact information. He also asked the individual to find me and tell me that I needed to call and gave their contact number. 

This company also called me 5-7 times in the span of 24 hours, which I consider to be abusive and harassment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was paid on time and never late. The consumer reporting agencies have need to report all information with true and complete accuratecy. This account has not been late on payments, I have attached a copy of my experian report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verifed I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.