23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The daye of the debt they said originally opened in XX/XX/XXXX which is not true, it opened in XX/XX/XXXX. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}
Product: Checking or savings account

On XX/XX/year> I discovered a fraudulent charge to our checking account with UMB Bank in XXXX XXXX XXXX. This charge was paid to XXXXXXXX XXXX XXXX XXXX Type : Debit - Check XXXX XXXX : XXXX We have no knowledge of this charge, we did not initiate it and we do not do any business with XXXX XXXX  XXXX. 
That day I emailed the bank manager to file a fraud report. I didn't receive a response, so the next day, XX/XX/year> I went to the bank, again to attempt to file a fraud report. Again the bank manager was unavailable and I spoke to one of the clerks. I explained the issue, he called " the fraud '' department and was told that there is NOTHING UMB can do about this charge because I did not report it within 24hours! I have never heard such a thing. When I questioned this, he told me that he was just telling me what he was told and that if I didn't like it ... ... ..well, he didn't know what to tell me ( his words ). Then he told me that I should reach out to the company that supposedly received the funds. Why would that be my responsibility? 
In the meantime, I tried calling UMB Fraud Department on my own since it appear that the branch was unable and unwilling to do their job. The first number I called ( I got the phone number from the branch office ) told me they couldn't help me unless I could give them the debit card number. There is NO debit card issued on this account. I was then transferred to several other departments, and absolutely no one could help me. I can't believe a bank doesn't have a FRAUD DEPARTMENT. The bank manager has not responded to my emails and we have had no communication from anyone at the branch. They are completely unwilling to help recover our loss.
Product: Credit reporting

I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Transunion, XXXX, and XXXX are consumer reporting agencies. As a Federally protected consumer who has rights, that according to 15 U.S.C 6805 ( a ), that are to be enforced by the Bureau of Consumer Financial Protection. 
Transunion, XXXX, and XXXX are reporting in accurate information which I have written and filed two dispute letters in reference to XXXX XXXX XXXX, Which they seemed to have ignored. 
Transunion, XXXX and XXXX are a " Company '' by definition, according to 12 CFR 362.2. Reasonable policies and procedures concerning accuracy and integrity are imperative. Which these companies are failing to perform. 
I ask that you please review and I demand that this account be removed immediately. 
thank you XXXX XXXX
Product: Student loan

I am an unemployed, XXXX-year old man who is currently going to school, hoping to improve my chances of being hired. I am a XXXX veteran with over 25 years of experience as a XXXX   XXXX. Therefore, my credit history must remain untarnished for me to successfully land a job. Unexpectedly, a few months ago, I started receiving notifications from Navient that my private loans were delinquent. Immediately, I started doing XXXX to come up with money to repay these loans. Navient offered me to enter a Rate Reduction Program, which I accepted. 

A few days before my second qualifying payment was due, I called Navient to forewarn this institution that I might be a couple of days behind, seeking their understanding and imploring them not reporting me to the credit bureaus. The lady whom I spoke with supposedly granted me this request, but when I made the payment on XX/XX/XXXX, Navient reported three ( 3 ) late  payments to the credit bureaus. I believe that this negligent act violated at least two provisions of my rights under the Fair Credit and Reporting Act ( FCRA ) 15 U.S.C. 1681. 

I called Navient several times and they continue to misrepresent the fact. Their employees and supervisors are covering up for one another. My third qualifying payment was made on XX/XX/XXXX. However, per Mr. XXXX ( Navient ID XXXX ), my third qualifying payment was not processed on time. It was processed on XX/XX/XXXX, upon my last call to Navient. In sum, I was asked TWICE to wait : a ) Until the XX/XX/XXXX ; and b ) Until XX/XX/XXXX to wait for the 6 wrongful past due reports disappear. 

This is abusive and likely will preclude me from passing an employment credit background check. Also, my other creditors might raise their rates on me due to a higher perceived risk.
Product: Mortgage

On XX/XX/2020 XXXX XXXX XXXX acquired a loan on a home from XXXX XXXX  and the loan was immediately sold off to a company called home point financial as I entered forbearance program as soon as I exit forbearance I am told if I make 3 payments on time in full they would reduce my mortgage payment in the same month I am exiting the forbearance program the loan was sold again to a company called freedom mortgage canceling the agreement to make payments on time to reduce my mortgage.
Product: Debt collection

A relative of mine received a phone call from a company named Credit Corp Solutions and I have no idea who they are. I have never done any business with this company and they are calling my family members and harassing them. This company is in violation of the Fair Credit Reporting Act. This company must cease all phone calls and emails immediately
Product: Debt collection

PARAMOUNT RECOVERY S ( which is a collection agency ) stated i open an account XX/XX/2021 which is false, I have no knowledge of this debt and it does not belong to me.
Product: Credit card or prepaid card

I cant find my Edd card in my mailbox earlier so I got it recently and didnt meet any amount on it, I got it recently and couldnt find anything on it anymore I receive a debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 The last debit was {$750.00} all was Direct deposit transfer funds to checking/savings account I really need this money for myself cuz Im stuck out here, need some help no one if helping
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax for over a year constantly providing legal documentation proving that I am indeed a victim of identity theft. Equifax has ignored a majority of my written correspondence, not disputed fraudulent items with companies, continues to report accounts that have my name attached to different social security numbers, reporting fraudulent addresses and more. I have mailed over 50 copies of my documentation to Equifax since late 2018 all with no responses. Equifax has admitted to sending mail to an address that I informed them that it seems is where a bulk of the fraud had originated from. Please help me resolve this matter with this company immediately if possible. I have been denied employment and have been unable to buy a house due to ill reporting by this company.
Product: Debt collection

I have already filed a previous complaint about this company. They stated that they would be mailing a letter with debt information and have yet to do that. The information that they provided in the previous complaint is not consistent with any account that I have or have previously had. The are not responding to requests to send information regarding this account. The account needs to be removed from my credit report if they are not willing to allow me access to review the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX TransUnion : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX Lease Only XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX - {$430.00}, contacted them to send a verification of debt and haven't received anything. 

XX/XX/XXXX - {$430.00} - Have not received the verification that was requested. It is reporting through the credit bureaus and I am requesting verification of the said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request Multiple Times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Payday loan, title loan, or personal loan

Berman & Rabin P.A left me voicemail onXX/XX/2020 that they needed to discuss a business matter. I called back onXX/XX/2020 and spoke with a lady from there and she was threatening to repossess my vehicle if I didnt pay them what they say I owe. I asked what vehicle was this because I didnt  have any vehicle loans through them. After a brief hold she came back to only tell me she didnt know what vehicle but I was to pay the balance of {$10000.00} or my vehicle would be repossessed. I asked if information regarding this repossession in question and have not received anything on it. I felt very threatened by this call and dont feel she had any right to make such threats.
Product: Money transfer, virtual currency, or money service

I do not have the exact dates, but in XXXX on multiple occasions I sent money to what I thought was a colleague in the first amount totaling {$200.00} and the second amount also totaling {$200.00}. The first incident occurred in XXXX of XXXX and the second incident occurred in XXXX of XXXX. This incident also occurred a third time but I was able to receive the money back being that it was sent to a close friend on accident. The other two occasions I was unable to retrieve any of those funds back despite reaching out to the Zelle company. Unlike other companies at the time, the process in which you are able to retrieve mistakenly sent funds back was very tedious and they pretty much gave me " a run around '' about receiving the funds ultimately for me to never receive them. There was no warning or cautionary notice before sending these funds.
Product: Credit card or prepaid card

I have contacted  Jcpenny  's bank to make them aware, I was not receiving monthly statements. I would receive random emails about payments due. The emails request for payments, which were exceptionally inflated. I ask to be removed from the online billing. So, I can receive my bills in the mail. This was never done. As, a result I do n't get monthly bills and my account is being reported delinquent on my credit. I have been assessed late fees because of the banks error. This has been happening for  awhile.I  requested for the correction but no resolution has been provided.
Product: Debt collection

True Accord is a debt collector, and they are claiming I owe this debt for XXXX XXXX XXXX account number ending in XXXX ( current creditor of my original Credit XXXX XXXX, account ending in XXXX ) I made XXXX payments of {$84.00}. Now I am receiving a bill for the same credit card from XXXX XXXX XXXX. So I stopped paying True Accord. I would like the money back form True Accord since they can not verify the debt. The total I paid them {$500.00}. I wrote to them and asked for verification of debt and have not responded.
Product: Vehicle loan or lease

My recent experience, it appears that there have been a willful and knowing violation of 15 USC 1611, which prohibits the willful provision of false or inaccurate information or failure to disclose information required under the provision of this subchapter or any regulation issued thereunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times regarding this issue and they will not remove the inaccurate information from my credit report. Listed are two Bankruptcy that does not belong to me. Experian claims that they have " Verified '' the items as accurate, with the United States Bankruptcy Court. I contacted the US Bankruptcy Court and spoke with XXXX ( Chat ) attached. She stated that they do not report information to the credit bureaus and that there was a separate company by the name of XXXX that Experian is using to obtain information.XXXX  is not listed as " Information Furnisher '' as well, full social security numbers are not provided for public use by XXXX. How did Experian " Verify : this information if none of the address information matches my credit report and they do not have a " Full Social Security Number to confirm this even belongs to me. With this said there is Reasonable Cause to believe this information is inaccurate reporting on my credit. Because I have made Experian aware of this, and they continue to report, they are willfully and KNOWINGLY reporting inaccurate information on my credit. Attached is my, Driver License, Social Security Card, Chat Transcript for US Bankrupcy Court, and Utility Bill in my name. All documents that was also forwarded to Experian. I am submitting this complaint because, Experian claim to have Verified, Unverifiable information. This is against the law. I need these items removed from my credit promptly.
Product: Credit reporting or other personal consumer reports

ACCOUNTS HAVE BEEN OPENED WITHOUT MY KNOWLEDGE OR CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus EXPERIAN, XXXX, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.
Product: Money transfer, virtual currency, or money service

I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by XXXX IMMEDIATELY AFTER I sent the money and realized the sale was a scam but XXXX REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted XXXX and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and XXXX said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. XXXX and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and XXXX doesn't care about it's customers or trying to stop fraud before it happens.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX  XXXX number XXXX payment late XX/XX/year>2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted BK OF AMER & they told me I've never missed a payment, yet XXXX and XXXX refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had spoken with representatives multiple times and made it very clear I could not afford to pay this debt unless it would be removed from the credit bureaus. First agent explained that upon payment it would be DELETED was then transferred to another rep to take payment. To verify, i again asked the debt would be removed. They said no it would not but only be updated to paid. This does not help me as I am trying to get into a mortgage transaction. The agent lied by saying it would increase my score. This is TOTALLY FALSE AND MISLEADING INFORMATION. I thanked them for their time and explained that I did not have the funds to spare if the debt would not be removed from the credit bureaus. 

The next time I called the agents again were well aware of my situation and my stance. It was heavily implied that the account would be removed as the agent told me he would have the supervisor make an exception for me. I felt confident that the agent was kind and sympathetic and was going to help me out. This is the ONLY reason I made the payment under the assumption that the account would be removed.
Product: Credit card or prepaid card

I purchased several items from Apple using the Apple Card in XX/XX/XXXX. While my bill was {$4400.00}, I elected to pay the full amount immediately. Using the XXXX XXXX app, I changed the automatic payment from the amount due to the full amount prior to the XX/XX/XXXX due date. On XX/XX/XXXX, I noticed in my account that both the full amount of {$9700.00} and the auto payment of {$4400.00} where withdrawn from my account. 

On XX/XX/XXXX, I contacted Apple/Goldman Sachs to have this reversed. I was informed that the payment will " take a couple of days to have the payment refunded. '' On XXXX, I contacted Apple/Goldman Sachs again for a status update. This time I was informed that the payment refund is in dispute and would typically be refunded within 10 days but could take up to 30. I was referred to my bank to have the payment cancelled. 

I requested an escalation due to the conflicting information and was provided with case number XXXX. 

There is no information available to me on the status of the refund. Apple/Goldman Sachs refused to provide documentation on the status of the payment reversal, that it is now a payment dispute, the status of the payment dispute, or any timeline ( particularly since it exceeds their own recommended timeline for resolution ). The Apple wallet app doesn't not show any history of the money in question. My balance doesn't reflect the over payment and I don't have documentation of the dispute outside of a messages chat. 

As documentation, I've included screenshots of the app : XXXX XXXX shows the page of the current amount due {$2.00}. You can slide the button to the current balance {$72.00} ( IMG XXXX ). Selecting pay later provides the date to pay that amount ( IMG XXXX ). Upon selecting the date, you are brought back to the home page ( IMG XXXX ) showing the upcoming payment. It is only if you select the XXXX dot button in the top corner that you see that the original auto payment was not changed and you are now scheduled for an overpayment of the bill PLUS the full amount that you have just scheduled ( IMG XXXX ).