23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than XXXX and 120 days past due with XXXX and XXXX XXXX XXXX. The Credit Bureaus including XXXX, XXXX, and TransUnion are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my Citicard ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when Citicard called me advised me that my account is more than 60 days late. I then began a fraud dispute case ID-D-XXXX. I called Citicard in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my XXXX report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to XXXX they said that Citicard has to remove this from their billing record for it to not show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identity thefted, I sent all reports and exsperian refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving rhe refused to help me after a thousand disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a hundred times. The yve called me a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX   XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Mortgage

Please see attached documents for the dates, amounts, and actions taken by the company ( Shellpoint ) and myself. 

I am trying to attach additional supporting documents, but is says the file is too large. Please allow me to submit my documents another way. 

In summary, Shellpoint intentionally or negligently purchased additional flood insurance for my property when they knew or should have known my property was already insured for flood. 

My property has been insured for flood, without lapse of coverage, from XX/XX/XXXX until present. 

Additionally, on or about XX/XX/XXXX in a correspondence agent ( s ) of Shellpoint deliberately or negligently misrepresented and tried to conceal material facts regarding the flood insurance transaction. This investigation was conducted by the XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. Shellpoint submitted false information to State investigators.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of the previous complaint with number : XXXX that was filed on XX/XX/22. The following information that is still incorrect on my credit file that is evident when mortgage lender pulled my report includes : Name : As highlighted on the Experian credit report : XXXX XXXX My name is XXXX XXXX XXXX as my name is verified with my drivers license. 

Addresses incorrect : XXXX XXXX XXXX XXXX NC XXXX This is not my correct address I have never changed my drivers license in 20 years Employer Incorrect : XXXX XXXX XXXX NC. 
I do not work for this employer. 

Employer Incorrect : XXXX XXXX I do not work for this employer. 

Employer Incorrect : XXXX XXXX I do not work for this employer. 

Incorrect information of loan paid off as agreed XXXX XXXX XXXX It was paid in full as agreed.
Product: Credit reporting

Was late on auto payment but now I am current. Finance company still showing I 'm 2 months behind. Called to question why it was still showing me as in arrears but was provided with an answer. Was told they could n't help me
Product: Money transfer, virtual currency, or money service

On XX/XX/year> from playerauctions.com I found a leveled up game account seller and send message to buy account. 
Used discord to chat with seller, he was asking to visit website ( tradeit.gg ) to pay XXXX $ and I paid. 
After payment, he said he couldn't verify my payments even I send screenshot of transaction. 
Total XXXX payments made before I realized this is fraud. 
XXXX transaction from my credit card & XXXX from debit card. 
I contact tradeit.gg website to help with this issue but they said they can't help, contact banker. 
I claimed all transactions through app, XXXX transaction from credit card got approved and slolved but XXXX from debit card denied 3 times
Product: Debt collection

Receivables XXXX  Management, LLC ( which owns XXXX XXXX XXXX XXXX XXXX ) is trying to collect a phantom debt from former XXXX XXXX XXXX XXXX that have returned their vehicles years ago and satisfied any remaining amounts owed. RPM has not provided any record of missed payments or any of the other bogus charges they are claiming. I have been the victim of robo- calling and harassment with threats to my credit score for a debt I do not owe. I am one of many people and this has to stop the FTC and CFNB needs to put this company to an end of its bad practices because it's an abuse of people who have paid their bills. 
Amount disputed {$360.00} My weekly payments had to be paid otherwise XXXX XXXX would not have collected the vehicle and they took my {$250.00} deposit per the XXXX XXXX XXXX agreement, my business with XXXX XXXX XXXX was satisfied 3 years ago. I do not owe anything to either of these scammer organizations and anything else is phantom debt. This should be a class action lawsuit at this point. 
My attached document is further proof that the alleged charges are false because they do not align with XXXX XXXX XXXX agreement. Also Stated in my contract in Section 9 is that this is a lease that could be terminated early for the fee of the deposit {$250.00}. This was highly marketed in the media outlets. 
See Below from the XXXX XXXXXXXX for example : https : XXXX " According to XXXX XXXX XXXX XXXX head of XXXX XXXX  , drivers pay a security deposit of {$250.00}. Unlike with traditional auto leases, theyre not locked into multiyear contracts. If a driver decides to terminate the lease early, he or she forfeits the {$250.00} deposit, with no other penalties. '' How could owe any additional fees ( early termination and sales fees? ) that this company has listed but not verified? The answer is I clearly do not. Please discharge and remove. Stop this company from hurting innocent people.
Product: Money transfer, virtual currency, or money service

Companies Involved : Date : XXXX - XXXX XXXX XXXX XXXX XXXX, BOFA, Foundation Escrow, Homeland Security, FBI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA. We were in a real estate transaction buying a home, XXXX XXXX was our agent. Foundation Escrow was the escrow involved.

Somebody got phished and the escrow company, Realtor ( XXXX XXXX ) Lender, and us the buyers were communicating with the hackers. Wire Instruction were emailed to us by the escrow company BUT they had actually been sent to us by the hackers. We sent {$480000.00} to Bank of America XXXX Escrow in XXXX, TX. later the same day approximately 4-hrs, it was discovered by us and escrow that we had been scammed. Immediately XXXX XXXX XXXX XXXX was notified *Origin of Transfer, FBI was notified, Bank of America was notified & XXXX XXXX Realtors, there was a KILL CHAIN and reverse put on the $ XXXX. Unfortunately, BOFA had already released {$280000.00} to a XXXX XXXX  and BOFA had the remaining under their control. We hired an attorney XXXX XXXX. Nobody would take responsibility and we had to start filing lawsuits against XXXX XXXX XXXX XXXX they threatened us or coursed our atty to accept {$5000.00}. settlement. BOFA demurred everything our attorney submitted then settled for {$3000.00} stating it was a nuisance settlement and they had no liability, Foundation Escrow paid $ XXXX and XXXX XXXX settled at $ XXXX - Our attorney fee 's were over $ XXXX. That was the legal outcome of the lawsuits. FBI never contacted us or would talk to our attorney. Homeland Security was able to get back $ XXXX and XXXX ( appropriate numbers ) BOFA returned the XXXX 90-days after the hack that happened on XXXX. We were in litigation for approximately 2-yrs There were people prosecuted because of our case but we never found out any type of details. We are still out {$58000.00} ( approximately ) How would we know if that money is recovered? What can a consumer do that trusted all the parties involved until the incident and everyone was pointing at the other. We don't trust any of them, is there anything we can do? How could we find out if our money was recovered and find out where it is ....
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$100000.00} into Bread Financial to start a new account. On XX/XX/XXXX, I attempted to access the account online. I could not do so. I called customer service and worked for approximately 1.5 hours on attempting to access the account and could not gain access. The rep stated " well, just try tomorrow ''. After ending the call, I felt very uncomfortable. I called customer service again and requested that the account be closed and the money refunded to the originating account. The rep stated that would happen in 3-5 days. 

On XX/XX/XXXX, the account was still not closed nor the money refunded. That day, I received a letter from Bread stated my account had been suspended and to get into my account, I would need to provide government ID, a bank statement from the originating bank, and my social security card. I submitted those items on XX/XX/XXXX and requested an immediate refund of my deposit to the originating account. I also spoke to a rep that day who again stated that the money would be refunded in XXXX business days. 

On XX/XX/XXXX I still did not have my money. I again called Bread. I spoke to 3 different representatives in Account Protection. " XXXX '' told me that all deposits are held for 30 days and I would get my money on XX/XX/XXXX. I stated I had no documentation stating that is the case and I wanted my money today. She passed me to XXXX who stated that the " executives '' needed time to do an account review and that is why my account has not been closed and my money returned to my originating account. She stated there is a transfer in the system for XX/XX/XXXX. I then called again and spoke to " XXXX '' who again stated the money would be transferred on Monday XX/XX/XXXX and to call at XXXX am if the money did not show up in the originating account. 

On Monday, XX/XX/XXXX, the money was not in my originating account. I called and again spoke to XXXX. She stated the account is in the process of being closed and I should have the money by Thursday. I asked to speak to somebody up the chain and she stated there was nobody else with whom to speak. 

I have no idea how you get from " transfer is scheduled '' to " account being closed ''. I have no idea why the money is being held-now for over 30 days. I have no confidence that my money will be in my account any time soon. I get multiple stories when I call about the situation and I feel as if Bread has stolen {$100000.00} from me and feel quite powerless to get any information.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this complaint contains new information from any and all previous disputes or complaints. Upon review I discovered a checking and savings account opened in my name at XXXX XXXX XXXX I did not open or use these accounts. Previously I was told that these accounts were opened in person but new information provided to me by the bank confirmed these accounts were opened online. Chexsystems is reporting these accounts as account abuse on my chexsystems report however these accounts do not belong to me and the new information that these accounts were opened online requires a new investigation by chexsystems. I reached out to chexsystems and was unable to speak to anyone.
Product: Bank account or service

On XX/XX/2016 I applied online to open a Citibank Account Package checking account. This was done in response to their website promotion ( code CZKD ) which promised a {$400.00} credit ( to be paid within 90 days ) after having maintained a {$15000.00} for 30 consecutive days. A total of 120 days. I fulfilled the 30 day requirement on XX/XX/XXXX. Today, XX/XX/XXXX, I have yet to receive payment or even confirmation that payment will be forthcoming. CitiBank has only told me that they have 'opened an inquiry ' but offers no further information. There are hundreds of similar complaints lodged against Citi in the CFPB database. Their promotions appear to be empty promises.
Product: Vehicle loan or lease

I called CarMax in XXXX of this year regarding the account being reported as a charge off on my consumer report. I asked them if they were a third party debt collector and they said No. I then asked them if the account is being reported as a charge off since XX/XX/2022 how come I never received a copy of the 1099c form they filed canceling out the debt? I then told them that since the account has been charged off then it is no longer considered a debt but income now and income is not to be reported on consumer reports... They responded that the account isn't charged off but in collections... I then asked them if they could send me anything proving disembursement of funds from their companies account or their banks account proving that I was actually given a loan? The original amount of credit extended was {$14000.00} and {$12000.00} was written off in XX/XX/2022. And there's a balance of {$5600.00} left, which there shouldn't be any balance! CarMax shouldn't be continuously reporting a charge off to Credit Reporting Agencies when in fact ; they know they have charged off the account for the full amount. The fact of the matter is the contract was deceptive and there was never a loan giving to me to purchase a car.. CarMax is negligent for not performing in the contract by not never giving me my credits for the amount of the car once I signed the application. The application after I endorsed it became the promissory note that tendered the purchase but CarMax kept the credits that I authorized upon my signature.. So therefore, CarMax failed to perform on their end of the contract by not giving my credits initially...
Product: Debt collection

Collector calls in excess of 10+ times per day. Never leaves a message. Just keeps calling back to back to back.
Product: Vehicle loan or lease

account was disputed 6 months ago and the creditor could not provide any evidence such as validation of who the account belongs too or correct account information. They didn't show proof of account ownership. The debt collectors removed the account and then the account reappeared. Which in all violates FDCPA 15 U.S.C. 1692 and Fair Credit Reporting Act 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian this is your final notice to DELETE those charge offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my consumer reports!! 

You have been holding this account more than 30 days. This accounts charge offs been under dispute since the beginning of XXXX. I have circled the date of the disputed XXXX XXXX. As of today XXXX XXXX you are still reporting this account on my consumer reports. Until XXXX XXXX. I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!!

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED.

15 U.S.Code 1681s-2 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 You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Money transfer, virtual currency, or money service

Remittance transaction to Pangea XXXX XXXX XXXX of {$500.00} to XXXX XXXX to a bank account with XXXX, on XX/XX/year>. The amount was taken from my Checking account with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is on Transunion I have filed many complaints on them since XXXX for not removing inquiroes and two collection and 3 closed charged off accounts that arent mine I have called them and spoke to them as well i have mailed them the fdic indentity report wth a letter and still nothing
Product: Vehicle loan or lease

Needed assistance with obtaining another vehicle because the vehicle I leased through the finance company will no longer be in my possession because I was rear-ended from someone that did not have any insurance and my insurance company first gave me an estimate to fix the vehicle you did not want to pay so they contact my finance company to pay them XXXX which the vehicle is at {$16000.00} which I had the vehicle since 2021 of XXXX and when I first got the vehicle it was at maybe XXXX so nothing went down under vehicle in a vehicle is at still XXXX not only did the finance company settle for the settlement from the insurance company they were not willing to help me with obtaining a new vehicle through them when I was not the cause of the accident
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Debt collection

I paid settlement XX/XX/XXXX they then tried charging me the rest without my knowledge XX/XX/XXXX after I made settlement and lying that i wanted to pay in full and I keep getting harassed.
Product: Debt collection

The debt collector is attempting to collect a debt and I am attempting to set up arrangements to pay. I 've called during thier stated business hours and each time the automated system tells me I am next in line for an available operator and then I get put into their viocemail system which states someone will call me back ASAP. No one ever calls me back and I clearly leave my name, account number and phone number. If I do n't get a hold of them by XX/XX/XXXX they are going to just take the whole amount out of my paycheck.