23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Smith , Cohen & Rosenberg , LLC, a Delaware corporation operating in numerous states, responded to CFPB Complaint XXXX INTERNALLY closing the fraudulent debt collection account they maintained. Their response to the CFPB indicates their detrimental reliance on the incorrect information their client gave them ( facts they did not verify, despite my dispute of the debt before reporting the debt as a Collection to credit reporting bureaus. But they had, as alleged in that Complaint, filed a false credit report the same day they sent me a first notice of the attempted collection ). 

On XX/XX/2021, I sent a Demand Letter directing the company to update the 'Collection, ' which is no longer disputed based on their response to the CFPB Complaint. Smith , Cohen & Rosenberg has independently caused my credit score to drop 80 points since filing a wrongful Collection with the credit reporting agencies. There are no other factors on my credit report that would cause the poor credit rating. They have a legal obligation to un-do this harm immediately, by directing the credit reporting agencies to remove the Collection now that they have closed the file internally as a wrongful attempt to collect a debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was coerced into buying a time share with company through COMENITY BANK / XXXX LOAN NUMBER XXXX. I have been paying for the timeshare ; but later I realized that I was reported late for payment when I had been paying faithfully, I called them to find out why, and then they told me that a credit card was opened on the account and they ( timeshare company ) uses it to pay for other services, I was wrought because I was not properly explained to me, I told them I did not want a credit card but that it should be closed, and they did close the card and reported me late 92 -120 days, on the card, even though I am paying my monthly time share account religiously and faithfully.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, i looked at my report. I sent a letter to TransUnion on XX/XX/XXXX asking them in reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the sent me their investigation and said these accounts are complete and accurate. 
XX/XX/XXXX I sent a written request for them to provide a detailed description of the investigation process. Which they did not respond to. 

Heres the tracking for that letter : XXXX I looked at my report and noticed everything is still the same And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681e ( 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ( ii ) the information is, in fact, inaccurate. 

TransUnion really did not reinvestigate. They lied on an official document saying they did something they did not do and i have evidence to prove my case.
Product: Mortgage

I applied for a mortgage loan with Loan Depot. I have a series of e-mails with Loan Depot 's representative assuring me that the payments could be made bi-weekly. After closing, Loan Depot is unable to set-up bi-weekly payments. I was first told it would be a few weeks, then up to 90 days, and today, speaking with Loan Depot 's VP, Customer Experience, XXXX XXXX, I was told that she could not give me an outside date for when Loan Depot would be able to set-up bi-weekly payments. Loan Depot 's voice mail system states that correspondence is monitored, but VP XXXX is not able to access historical emails or phone messages. I was required to send her the correspondence with her company. Her resolution was that she could apologize to me and better train her staff to provide non-fraudulent information. She also advised that although her title is VP, she is the highest officer at Loan Depot who can be reached by the public/customers. All of the President 's correspondence is funneled to her. She could not resolve the misrepresentation made in multiple emails by the employees of Loan Depot. Loan Depot 's voice mail message states " we strive to provide the best possible customer experience ''. This is not what I have have experienced. I would never do business again with this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified dispute letter on XX/XX/2020 notifying your failure to provide the credit bureaus of my notice of dispute. This shows that you did not investigate my concern. The item being reported is completely inaccurate and needs to be removed immediately. I have provided a copy of the certified letter and my dated credit report showing your failure to follow the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/year> on my XXXX XXXX XXXX debit card there was a transfer of {$2800.00} to a unknown personal bank account of which I DID NOT AUTHORIZE! I then called XXXX XXXX to file a dispute and fraud claim on it. They also closed my account and said they would send me a check when resolved. I provided as much information as I could and followed up on them several times.They said there was a phone number change on my account as well on XX/XX/year> at XXXX. After several attempts to resolve it they then did not take the proper time to investigate. They denied my claim and said they did not see no error because it was under my name to a XXXX bank acct, XXXX XXXXXXXX. I then called to talk to a supervisor to request information several times and finally recieved some information and filed an appeal to which they denied. So I am on my XXXX attempt to file another appeal. It seems someone had my online information to change the phone # and send a money transfer as well. XXXX XXXX ( which is XXXX, XXXX. ) is no help at all. Ive also did my research and found several reddit posts about similar issues so I went this route. I just want my {$2800.00} back.
Product: Prepaid card

I ca n't believe a system upgrade on XXXX XXXX, 2015 is still having glitches. It took me 4.5 days to get them on the phone so I can ask what is going on with my account. And when I did get a hold with someone they could n't answer my question. They told me they were working on it. Customer service rep needs training. She got me more upset by having no knowledge as to what was going on. Just that it 's being handled. I asked what the ETA was or a ball park ETA once again I was told I do n't know. I asked a couple days, weeks. months????? Once again the response was I do n't know. They need to get together. Who in the world upgrades their system and not have knowledgeable technical support to fix the glitches. It is now XXXX XXXX 2015, still not resolved. Please hire a real technical staff to fix this or you wo n't have any customers left. This has been frustrating and stressing. I have had anxiety issues over this. This kind of service is inappropriate and disastrous to your business. I want any fees back and credited to my account asap. Also the day of the upgrade it stated I had money in my account, then hours later it stated I had a XXXX balance. I yet still have n't seen where my money went. PLEASE FIX THIS. Hire compentent employees, compentent IT technical support for upgrades.
Product: Debt collection

Transworld systems listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

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

On XX/XX/2023 at XXXX ET a company called Informative Research made an unauthorized credit inquiry and pulled my credit report. I never heard of the company before. I looked them up. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I called them at XXXX within an hour of the credit pull. The VM said to email them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed this with the credit bureaus XXXX XXXX and XXXX I asked them to re investigate the completeness and accuracy of my account on my credit report I got my investigation back and i noticed they didn't update or modify my account
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to XXXX XXXX on the XXXX of XXXX, 2017. The next day, on the XXXX, of XXXX 2017, Firstsource Advantage , LLC. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an injury during XXXX   and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I am refilling this to complain EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

XXXX XXXX ( XXXX ) XXXX said they will continue to call until I start paying on student loan. Except my loan is in forebearance
Product: Checking or savings account

I was scammed 3 transactions for tickets which were not given The date was XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried contacting chase but they did not help me. They told me that they cant do anything since the money is already delivered. 

They should have atleast told me since this was a new account and could have warned me about it
Product: Mortgage

This involves Statebridge Company LLC, located in Colorado. My mortgage was sold to this sorry excuse of a company in XX/XX/2017. It is a conventional mortgage with a 5 % interest rate. My payment has always been {$390.00} and I pay my own taxes and insurance. In XX/XX/2017, Statebridge, for some unknown reason decided to pay my property taxes, and as this was unknown to me, I went to pay my taxes in XX/XX/XXXX. After finding out that they had been paid by the company, I immediately called and got nowhere. I called an additional 11 times and never spoke to the same person, until I spoke to a Mr XXXX who couldn't figure out what happened or why. This went on with telephone tag for about 2 months. When I finally reached him, he said all I should have to do is return the amount of money that they had paid for my taxes, which I did the very same day, I will send a copy of the check. I gave them a few days in order for the check to reach them and I called back to see if everything was squared away. No, they haven't even posted the check and argued with me that they hadn't gotten it. My bank verified that it was sent and cashed, so I was not very happy. All this time they are taking escrow money out of my regular payment, making it look short and charging me late fees every month. I was done with Mr XXXX and asked to speak to someone over him. I ended up with a Ms XXXX and after about 6 weeks she came back with this brilliant plan in which I had to pay {$100.00} in order to clear up the escrow mess that they created. By this time I was so disgusted I asked if this would clear everything up and if it would I would send it out right away. I called back the next day to find the correct address to mail it to and I ended up with Mr XXXX, oh happy day, not. Now he tells me that I have to also send in every late fee that they have added to my account. ( Please remember this is their mistake in the first place ) All this time I am still sending in my regular payment of {$390.00} but they wanted {$510.00} because they were still taking escrow out, can you believe this? Also, to add insult to injury, they contacted the credit bureaus, all 3 and reported my account delinquent. This dropped my credit score from XXXX to XXXX. Now I am enraged and let Ms XXXX know that I was enraged. After that, she refused my calls and my emails. I applied with XXXX for a refinance and because of what they had done to my credit, I had a very hard time, but it finally went through but these derogatory remarks remain on my credit reports. One of them has deleted Statebridge from my report, I think it was XXXX, after I filed a dispute. I filed disputes with the other 2 also, but they haven't removed the delinquent marks from their reports. Can anything be done about this corrupt company?
Product: Credit card or prepaid card

I applied for a Barclays XXXX XXXX XXXX XXXX XXXX XXXX, and was not provided the sign-up bonus of XXXX miles, following a purchase within the first 90 days of account opening, which I did. 

I applied for the card over a competitor of Barclays ( who also offered a card with AAdvantage miles ) because of the bonus offer that was made and I accepted. 

I applied on XX/XX/23, but Barclays delayed both the approval and sending the card well beyond anything I have experienced. I only got the card in the mail on XX/XX/23 -- over a month since I applied, and, I was told it was approved in early in XXXX when I called to inquire. 

Since I knew it was approved in early XXXX, I knew I had until the end of XXXX ( XXXX being a short month ) to make a purchase. 

I made a purchase on XX/XX/XXXX, which posted on XX/XX/XXXX. Even if my application was finally approved on XX/XX/XXXX ( which would have been the earliest date of approval based on Barclays saying early XXXX when I called ), the transaction posted on the XXXX day ( if both days are included ), and XXXX day since I had received the card and activated it. 

The activation date is arguably relevant to the opening date, as the only way I was allowed to use my card was to agree to additional terms online from Barclays. If I refused to agree to these terms not in the application, and governing general card usage, it would be hard to argue the account was fully opened until I agreed to the additional terms Barclays required. 

I realize I was cutting it a bit short, but I still completed the requirements for the XXXX bonus miles in time. I am guessing there is a flaw in Barclays system which failed to account for the shorter month of XXXX, or an error in the sending of a card well after I applied which did not all in good-faith for 90 days if they largely delayed sending me a card for weeks on end. 

I am requesting the XXXX bonus miles given the large timing anomalies regarding the approval/delivering of the card and the ambiguity on what constitutes opening of the card when all other card issuers seem to stick with approval ( as well as give additional grace period days or deliver the card in a faster timeframe. 

I will accept Barclays providing the XXXX bonus miles as a courtesy that acknowledges no wrong doing on their part or an acknowledgement of many concerns Ive brough up, as I dont wish to drag this out if the miles could be provided.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices., where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest credit services is reporting a collection account for XXXX XXXX XXXX   XXXX XXXX. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
Product: Money transfer, virtual currency, or money service

I need help with getting back {$1500.00} that was suppose to be refunded to my XXXX card from Paypal, but has never made it back to my card ... ..I have proof of all this And no body seems to help me track where this money is ... ..this was a dispute letter I sent to XXXX  and was denied , reasons being who knows ... ..PayPal says transaction was successful and I will send in this email proof of this ... ..please help me ... 

I recieved my taxes back for XXXX onto a XXXX XXXX XXXX XXXX Visa card. On XX/XX/XXXX of XXXX, i signed onto my Account through The XXXX XXXX XXXX application, and I sent {$1500.00} from my XXXX Visa card to my cell number. From there, I claimed {$1500.00}, through the link that XXXX sent me in the text message by inputing a verification code on this XXXX  website link sent to my text messages. After inputting verification code, there were 2 choices to pick up the {$1500.00}, either i could deposit it into a personal bank account or into a PayPal account. I chose to send {$1500.00} to paypal account of XXXX XXXX.. From there {$1500.00} sat in his PayPal account until XX/XX/XXXX, where he decided to REFUND me the {$1500.00}. So he pushed refund button on his PayPal account. Next to {$1500.00} dollars. From there I have not seen or know where my money went..It lists the money being refunded to XXXX ... Ive emailed this email several times with no response It states on his PayPal account that refund was issued, but I, nor XXXX, have yet to get a clear answer from paypal of where this money went.several different messages and phone calls have been sent from me and XXXX to PayPal just to receive automated responses from paypal I have transcripts from live chat sessions I was able to save, that I will be including in this letter along with any other proof I haveI just want my XXXX dollars back. it has been stressful and time consuming.PayPal is in my opinion a little shady, and after researching PayPal online, I come to find thousands upon thousands of different complaints from unsatisfied customers please track where my money is. 
I