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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Mortgage

The mortgage statement only lists one mortgage company ( AmeriCu Mortgage ) -  there are two mortgage companies affiliated with our mortgage loan ( AmeriCu Mortgage and Towne Mortgage ). 

XX/XX/XXXX - contacted AmeriCu today - they sent a statement two days ago stating we owed late fees of {$61.00} as listed on the statement. Upon reviewing our account online and speaking with the representative I was informed we are late because we make payments bi-weekly online. But, the Towne Mortgage and AmeriCu Mortgage ( they use the same online system ) allows for biweekly payments and I have been paying in this manner for years. The representative further stated that I ' can not ' make biweekly payments and that is why I owe them additional money, and that the XX/XX/XXXX had not been paid. Further review of my payments ( via their online system ) indicated they have been applying my mortgage payments to PRINCIPLE which makes it appear I am not payment the mortgage. The issue ; they online payment system breaks the payment up and allows for additional allocation to principal, which I tend to make payments towards principal each month ( from {$10.00} - {$50.00} ) but, never for hundreds of dollars. When I asked why the mortgage payments were NOT applied as I indicated on the payment system, the representative did not have a valid response and basically stated, again, that it was my fault for making biweekly payments - I asked to speak with a supervisor - the rep stated the supervisor was not in until XXXX XXXX. 
As stated on the call today, our payments are paid one month in advance ( in biweekly payments ). We are NOT late on our mortgage. 

My husband is a XXXX veteran. It is my opinion this mortgage company is attempting to take advantage of our funds and this VA mortgage. 

Representative name : XXXX Supervisor name provided : XXXX
Product: Checking or savings account

XX/XX/year> - received my paycheck by EFT. The same day, fraudulent charges of {$1000.00} and {$2000.00} were posted to my account. A third charge of {$3000.00} was rejected as my account was overdrawn. I received no notifications from my bank about fraudulent charges, my account being overdrawn or anything. I checked my bank account XX/XX/year> and noticed the pending charges from the previous day and immediately called the XXXX # for Truist about this. They told me they could do nothing until the charges processed. They replaced my debit card stating that this was the only thing that was compromised. This was how I found out about the third attempt to take {$3000.00} in addition to the two charges that were allowed through. I contacted the local branch just to make sure there was nothing that could be done as my account was negative {$1100.00} and some change. They said there was nothing else I could do. Again explained that these charges were fraudulent. XXXX Truist Fraud line, called it only to find out it's the regular customer service line after speaking to someone. Again, explained that the charges were fraudulent. I filed a police report with my county 's sheriffs department. XX/XX/year>, both charges were processed and my person car payment was declined. I called the XXXX # again to get the dispute started as the only two items I could not dispute directly from my account were the two fraudulent charges. The XXXX # was so staticky I could not complete my call. The only thing I was able to get before the line got so bad I couldn't hear the person was that there were no notes about fraudulent charges on my account. I had to wait until XXXX to speak to someone at the local branch. I was transferred to someone to initiate my dispute of the charges. I was told it could take up to 30 days for them to complete their investigation. I was told that I may or may not see my money back in the account prior to that. I was told that I needed to sign and possibly have notarized papers for the dispute. I asked if I could go to the local branch to do this so I didn't have to wait for them to be mailed. They said yes. I drove to my local branch. They had to call the same XXXX # ( I could heard the static from his phone even with it up to his ear ). He was told the paperwork would be available until possibly Tuesday due to the bank holiday on XX/XX/year>. At this time I've explained to I don't know how many people at Truist that I have zero dollars, that they stole every penny I have. They apologized for my inconvenience. I have since spoken to others at other banks and their banks restored their funds while they dealt with the fraud investigation. I have spoken to a fraud investigator with the NC Department of justice and it sounds like what my bank is doing is illegal in not restoring my funds as provisional credit while they investigate. This makes sense as they are the ones who are insured. I have filed a complaint with the DOJ and the NC Commissioner of Banks as I feel this is predatory behavior by a bank to basically leave a person with no funds while investigating fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had XXXX Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the XXXX and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and Experian did not update my account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

well i was watching the news and they was talking about XXXX reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by XXXX points so i then went and check my credit score and noticed my score drop by XXXX points and I had 8 Inquiries and 1 account that I did not authorized I then called XXXX and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent XXXX XXXX multiple request for removal of late payments off of my credit report for XX/XX/2020 and XX/XX/2020. In communicating with this company, they have stated on multiple times that these XXXX late items should have been reported to the credit bureau and the only thing I had to do was call each of the credit bureaus, dispute and they would contact XXXX XXXX  and these delinquency would be immediately removed due to the Coronavirus Aid Relief and Economic Security Act ( CARES Act ) which provides relief measures through XX/XX/2020 and no late payments should have been reported during this time.
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!
Product: Checking or savings account

On XX/XX/year> my phone was lost and not in my possession, I reported the incident to my phone carrier that my phone was lost/stolen on the evening on XX/XX/year>. During that time someone made so unauthorized charges where they took out {$3300.00} out of my personal checking account by using XXXX XXXX on my phone device. Those are fraudulent charges that was made by someone that I dont know. Bank of America and XXXX XXXX are refusing to give me my money back. This is totally fraud, also after retrieving my phone I see Bank of America need to come up with a solution where they let scammers send short codes pretending to be Bank of America they have no security for their customers. This is a on going problem that is happening to a lot of my family and friends receiving short codes pretending to be Bank of America when theyre scammers. I explained to them that my phone was lost and the charges was not made by me. Also I believe this couldve been an inside job they had my debit card number and new the exact amount of money I had in my account.
Product: Checking or savings account

On Friday at XXXX XXXX  EST, I attempted to make a purchase using XXXX XXXX. The charge initially got approved but then seconds later got declined. I received confirmation from both XXXX  XXXX  and M & T Bank. About 3-4 minutes later, the charge was voided, and the funds were returned to my account. 

However, the next morning ( XX/XX/year> ), I noticed that the same transaction that got voided is pending, and my account is missing {$4000.00}. I contacted M & T Bank in panic because I have bills to pay today and urgent matters to handle. I was told that the transaction is processing, but I don't understand why the funds were removed from my account since the transaction was voided and the funds were returned. 

I contacted XXXX XXXX, and they confirmed that the transaction was declined on Friday at XXXX XXXX  EST, and the funds were returned to my bank on the same day. The supervisor I spoke to at M & T Bank acknowledged the issue but couldn't explain why the transaction is pending and why my balance isn't reflecting the returned {$4000.00}. 

I followed the supervisor 's recommendation to call XXXX emergency services. XXXX ( The supervisor ) filed a complaint and a dispute, but I later canceled the dispute because it's unnecessary since M & T Bank has my money. However, I was informed that M & T Bank declined my request. 

Then I called M & T bank again & a supervisor was telling me the reason why its pending is because XXXX is still processing the charge lets keep in mind The transaction was voided shortly after it was initiated, meaning it should not require further processing. If the transaction was voided and the funds were returned promptly, there should be no reason for it to still be pending. After telling her this I was further on told the bank or the merchant is processing the return but the original transaction was voided, and the funds were returned to my account promptly. Its confusing to hear that the bank or the merchant is still processing the return, especially since XXXX XXXX confirmed that the transaction was declined and the funds were returned on the same day. 

Based on these conversations with two of the supervisors it proves that M & T Banks explanation doesnt hold up, and they are responsible for the error and inconvenience caused. 

As a result of M & T Bank 's error, I have incurred a significant loss & I urgently request compensation for this loss.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without authorization, Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Debt collection

ARA INC. is threatening to sue me and seek judgement on a credit card debt that is XXXX years old which is well past the statute of limitations. They have presented no facts or paper work and I do not beleive that I owe this debt.
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 XXXX XXXX number XXXX  XXXX payment late years XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. Toyota Financial Services has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then Toyota Financial Services can report the discharge. It can not anticipate a default.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit file i noticed some inquiries that i did not authorize for the following XXXX inquiry XXXX XXXX, XXXX XXXX inquiry XX/XX/2020 and XXXX XXXXXXXX XXXX inquiry XX/XX/2020.
Product: Payday loan, title loan, or personal loan

I get between 5 to 7 calls a day, every day for the past 20 days
Product: Money transfer, virtual currency, or money service

I had a cash app account for years a customer paid my husband for services and I guess filed a complaint saying he never showed up to finish job and he did. 
Cash app immediately close my account without notification I had {$1100.00} cents in my account. I had option to withdrawal funds after my account was close. 
So I sent funds to my joint account with my husband and our bank immediately sent back to cash app. After calling for days trying to recover my lost money there saying they have to resolve the issue before I can even get my money? XXXX from cash account services told me the only thing I need was the refund number to receive my money. I don't even need cash app account anymore so where is my lost money?? There holding on to my money!!! with all there customers services workers being rude and nonchalant about Americans rights. Know one that work there tell you different things all day. I have been calling for days. If I don't want the account anymore why are you holding my money????? I provided customer services with refund number and pics still know one at cash app will send my money
Product: Debt collection

I received a communication from the XXXX XXXX XXXX XXXX XXXX XXXX dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than 75 miles away from my place of residence. This account does not belong to me.
Product: Mortgage

On XX/XX/2021, at approximately XXXX hours XXXX XXXX, XXXX NMLSR ID XXXX sent an email to XXXX. The email account belongs to XXXX XXXX. XXXX XXXX, XXXX coordinated the mortgage contracts require for the qualification of a home loan with the Wells Fargo Mortgage Department. The email XXXX XXXX, XXXX, sent altered the original terms of the agreement Wells Fargos loan officer XXXX XXXX discussed with XXXX. XXXX XXXX, XXXX amended the percentage for closing from 5 % to 10 %. He also altered the amount required to close to {$17000.00}. XXXX XXXX, XXXX requested that a transfer of funds from XXXX 's investment account become available for a cash sweep however, liquidation of the funds would not be required. XXXX complied with all of XXXX XXXX, XXXX 's instructions and requests. 

On XX/XX/2021, at approximately XXXX  hours, XXXX XXXX, XXXX sent another email again altering the previous terms of the agreement. XXXX XXXX, XXXX directed XXXX 's attention to The Closing Disclosure Contract. XXXX XXXX, XXXX altered the amount from {$17.00}, XXXX to {$20000.00}. XXXX requested to end the discussion and speak with XXXX XXXX, the supervisor for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX agreed to end the discussion and inform his supervisor of XXXX XXXX request. 

On XX/XX/2021, at approximately XXXX  hours, XXXX requested XXXX XXXX initiate a formal complaint against XXXX XXXX, XXXX for unethical behavior, failing to exhibit transparency and integrity. XXXX XXXX, XXXX 's inept instructions also cost XXXX additional expenses associated with mortgage insurance and additional funds liquidated from his investment account. XXXX XXXX accepted the complaint and informed XXXX a representative from Wells Fargo Complaint Department would contact him within 24 to 72 hours. 

On XX/XX/2021, no representative from Wells Fargo Complaint Department initiated any contact with XXXX.
Product: Credit card or prepaid card

I opened a fraud investigation with Discover in XXXX after noticing fraudulent XXXX and XXXX XXXX  charges on my account. I am unable to provide exact dates due to the account being closed, only discover can access that at this point. I am also unable to provide exact amounts because it is multiple charges over a year and a half and I also do not have access to them any longer. Unfortunately I didn't realize them, but despite Discover 's " {$0.00} Fraud Liability Guarantee '' they denied my dispute after their 90 day investigation and charged me interest on the amount that wasn't even on my account during those 90 days. They did this despite insurmountable evidence that these charges were not made by me - most notably that I do not even have an XXXX XXXX  account and the XXXX account I do have I had not even used for three months ( since XX/XX/XXXX XXXX and my payment method is through XXXX and connected to my XXXX  XXXX XXXX debit card. I notified them immediately upon noticing the fraudulent charges but I was told, after them putting the thousands of dollars back on my card in XX/XX/XXXX, that they denied it because they felt that I should have been aware sooner, and that I had seen the XXXX charges ( not making the connection that my XXXX account and XXXX was on my XXXX  debit not my discover credit line ) which allowed for it to go on for another month longer before I made the connection, in which I had paid my discover bill during that time so that makes me guilty?. It is embarrassing enough having not realized I was being taken advantage of and been stolen from for this long but to have my credit card company that has a {$0.00} Fraud Liability Guarantee tell me that I am the one to blame and I have to pay for this thieves rides and dinners is extremely disheartening and the reason me and my entire family will be closing our discover accounts and never using them again. They should not be advertising and gaining business on a {$0.00} Fraud Liability Guarantee if they are going to deny fraud claims that are clearly fraud and high amounts of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove all the address not mine attached and accounts
Product: Credit reporting or other personal consumer reports

EQUIFAX is not investigating my disputes and when I call in they are not writing down what I say for the dispute and they refused to show me the investigation results