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

XXXX XXXX XXXX XXXXXXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/year> under the account number ending in XXXX.This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and XXXX  fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX  and XXXX XXXX XXXX # XXXX
Product: Debt collection

I received a letter from Security Credit Services on behalf of XXXX XXXX XXXX in which they also put this on my credit report recently stating I owe {$1800.00} dollars for a card that I never signed up for. I was a victim of identity theft and I have disputed this with XXXX for the past 6 months and they refuse to provide me with proof that this is my card and they will not remove this account and they have sold my debt to a collection agency and they are sending me threatening letters as of last month. Both of these false transactions need to be removed off of my credit report.
Product: Debt collection

I received a letter, dated XX/XX/2023, from XXXX indicating that I have a balance due of {$190.00}. My position is that I never used their services so I don't owe them any money. I have phoned XXXX and went to XXXX retail stores to resolve this issue several times but have not come to a resolution. 

After that I received a letter, dated XX/XX/2023, from AllianceOne Receivables Management , Inc. to collect the debt of {$190.00} for XXXX XXXX That letter states that I have until XX/XX/2023 to dispute the debt. I sent in my dispute, via email, on XX/XX/2023. A copy of the dispute is attached. 

The AllianceOne letter also states that they will send me information that shows that I owe the debt. Additionally, the AllianceOne letter states that collection must stop until they send me the information. XXXX has since sent me a bill dated XX/XX/2023, and a payment notice, dated XX/XX/2023 now for {$260.00}. To date, I have not received a response from AllianceOne regarding my dispute. 

The attached dispute to AllianceOne has more details. I have tried numerous times to get a copy of the agreement I signed. I can't access to it because XXXX shut down my account and they won't let me have access to my account unless I pay the bill. 

Please contact me if you need any more information from me. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was purchased by another company " Carrington Mortgage '' who purchased it from XXXX XXXX. I received my last mortgage statement from " XXXX XXXX, '' in early XXXX stating that I have a refund. After calling XXXX ' XXXX ( XXXX ) to speak with them about the refund, the animated machine didn't give me the option to speak with a representative and said to call the new mortgage company " Carrington Mortgage '' about any further transactions or any questions. I contacted the new mortgage company " Carrington Mortgage '' to inquire about the refund and after getting through to a representative and verifying my information, the representative had no knowledge about any refund, did not have the same statement I have. They put me on hold and after 10 min the hung up. I called again and after navigating the automated menus, I got a representative who hung up on me again. I called again for the third time and spoke with another different representative who said the check should of been sent out a long time ago but seemed confused and put me on hold for over 55 min, and nothing was resolved. I called for the forth time expressing my concerns for the poor services and no call backs. I explained again I have a statement the says there is a refund but I have not received any refunds. The gentleman claimed his system did not show any refunds nor did they have any statements from XX/XX/2022. I was put on hold again and hung up on. Nothing was resolved.
Product: Mortgage

I reported this company to CFPB last week regarding predatory measures. PennyMac contacted me on Monday but did not try to make things right. As a result they have retaliated and come up with bogus charges to raise my mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I tried XXXX XXXX XXXX, but CapitalOne refused to help or show proof of their claims. I included statements and XXXX complaint. I feel like CapitalOne might be doing a scam and might need to be investigated, because someone else might have gotten charged like this and didn't even know! I got charged {$15.00} in bogus interest charges in XXXX and XXXX on something they are calling a promo purchase which I never signed up for or used, and CapitalOne is not willing to show me how they came up and validate these fees they are hitting me with by showing me proof of their claim while I showed with my statements fact that there should have never been any interest charged at all and only thing I ever did was a balance transfer which came with a {$0.00} fee just your regular XXXX but that was paid in full every month there is no interest charge like there rules say and what they charged in this promo charge don't even equal none of my purchases or balance transfers. I called and talked to someone finally on phone and they couldn't even tell me what charges got hit with interest and didn't want to fix this charge or even listen to me just kept telling me I am wrong, and they are right without proof, but I got the statement, and it shows I paid my statements in full every month and one month there was not even a balance carry over and still got hit with interest in XXXX. Like I said they charged me twice in 2 months on different promo purchases that was never made, and the numbers don't even add up on where the charges are! In XXXX which had a zero-balance statement I got charged {$3.00} on {$270.00} promo charge. There are no charges on my account for this {$270.00} there is not even a balance transfer for {$270.00} XXXX transferred {$1600.00} so can't be that, why would I get charged only for {$270.00} when I did over {$1600.00} so once again where are they promo charges. Then in XXXX, I got hit with an interest charge of {$12.00} on {$910.00} for another promo purchase I didn't make and like I said I paid the full XXXX balance off in XXXX so should never got charged and another strange thing XXXX promo in XXXX was a 14.24 % but in XXXX the XXXX for a promo charge the rate is 15.49 %. I just want my money back for these bogus charges and interest I lost to my personal bank while you're holding my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for grain XXXX years ago and paid into the account. I filed for withdrawal XXXX  months into it. I have then begun to follow up in the last XXXX  months to once again claim the funds owed, while they continually charge me for the " service ''. 

I have gotten no response from them at all from all of my emails but they keep emailing me saying that I owe more and more money. 

This has also damaged my credit report greatly. 

The e-mail attached to the account is XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I used my US Direct Express Card at XXXX XXXX in XXXX XXXX where I live. On XX/XX/XXXX I checked my account for an expected deposit and noticed the account was empty and there were many charges that I did not make. 
I contacted them immediately and had the card cancelled and reissued. On XX/XX/XXXX I received two letters. The first one stated that I was being given a partial refund of {$730.00} for the completed investigation. The second said I was being issued a provisional credit of {$5300.00} for the not yet refunded amount until the investigation is complete. I did not receive the provisional credit so I contacted them on XX/XX/XXXX. I was told that it may have just not posted yet and to call in a week if it wasnt there. I called back a week later and was told that they took the provisional credit back because it was a large amount. They were still investigating and it would take 45 days. 
I called on XX/XX/XXXX and was told they were still investigating and needed more than 45 days, that it may need 90 days and to just keep waiting. 
I called again on XX/XX/XXXX and someone named XXXX opened an escalation and that it would take 3-7 days to be resolved. I called again eight days later on XX/XX/XXXX and was told that the escalation was open but that it may take another 1-3 weeks to complete the investigation. 
I own a business and was under the impression that they should have issued the provisional credit regardless of how much it amounts to if they take longer that 10 or 15 days. I still havent received it. 
The investigation should be pretty easy considering I was saving money in this account and not spending much, then all of a sudden someone went on a spending spree and emptied the account in a week all in a state I am 1000 miles from. 
Below is a list of the fraudulent charges. All of them are from the XXXX, MI area. I live in XXXX XXXX, NV and have not left town in years. Several of them are bill payments to debt collectors and car/phone/power payments. The card never left my possession. One of the charges is XXXX which is a purchase to get my personal information, Im sure. 
XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$65.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$100.00} ( Refunded ) XX/XX/XXXX XXXX {$34.00} ( Refunded ) XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$69.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$98.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$23.00} ( Refunded ) XX/XX/XXXX XXXX {$880.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX  {$29.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I sent out a letter to each of the three credit reporting agencies. In theses letters I disputed the validity of said accounts Today is  XXXX and the credit reporting agency has yet to respond back they havent even had the decency to update the accounts as under investigation. Ive sent out a 30-day demand letter because they are in violation of my consumer rights but the law under FCRA.
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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX have violated my rights.

15 U.S.C 1681 section 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 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 a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX : XXXX SS # XXXX Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/year> Balance {$0.00} This information is inaccurate and Must be deleted at once. 



Request for Action : - **Immediate Investigation Deletion : I request that you conduct a thorough investigation into this matter and correct the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

Legal References : - XXXX*12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors. 
- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports. 

Please address this matter promptly. Failure to correct the inaccurate information may result in further legal action to enforce my rights under the FCRA and other applicable laws.
Product: Debt collection

Synchrony bank keep calling me on Saturdays and Sundays at XXXX to XXXX XXXX and multiple times during the day.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day. 
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}. 
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days. 
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour. 
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email. 
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.
Product: Debt collection

MIDLAND FUNDING placed an account on my credit report that is NOT my debt!
Product: Checking or savings account

I was scammed on a job site. I was sent a check that was not a good check. I was asked to send money over XXXX and then it clicked the check was a scam. Wells Fargo will not work with me on the check not being owed to the bank by myself. XXXX is investigating the transfer. I need Wells Fargo to make my account good again and show I don't owe them money.
Product: Mortgage

I called Freedom Mortgage on XX/XX/19. I made it extremely clear that I wanted to pay {$25000.00} to principal only. I know the call was recorded and I reconfirmed that it was for principal only. However, instead of applying the full {$25000.00} to principal, only {$19000.00} was applied to principal on XX/XX/19, and the remainder was applied to two extra regular monthly payments. On XX/XX/19, I received a physical letter in the mail, dated as of XX/XX/19, telling me that Freedom Mortgage was transferring my loan on XX/XX/19. Therefore, it seems as if Freedom Mortgage blatantly collected two extra interest payments against my wishes, and in turn, hoped to flip the mortgage to a different servicer before I noticed the error. I can't imagine this is legal in any way. 

I'm not exactly sure what legal recourse/ability I have to file a proper complaint, but if I would not have been diligent in my record keeping, it would have been monetarily detrimental to me and a benefit for Freedom Mortgage. 

Please find the attached screenshot of my Freedom Mortgage account as of XX/XX/19 that notates the incorrect application of principal along with the reversals after I discovered the error. I also attached the notice of transfer.
Product: Credit reporting

On XXXX XXXX I disputed a collection account from XXXX and demanded validated proof under FCRA s. 611 ( 5 ) ( a ). 
On XXXX XXXX Experian responded that " account remains '' without any further explanation or proof. 
On XXXX XXXX I wrote a letter stating that improper investigation was conducted, and that they failed to provide me with a copy of documentation, under section XXXX ( a ) ( XXXX ) ( A ). 
On XXXX XXXX Experian responded that they had previously processed the request. Again, no proof of anything was presented.
Product: Credit card or prepaid card

On XX/XX/2018, a {$560.00} charge from XXXX, XXXX, TX appeared on my credit card account. I notified the credit card issuer ( Synchrony Bank ) by phone that I had not made the purchase and apparently my card number had been stolen. The customer service representative that I spoke with said they would close the account immediately, issue me a new card with a new account number and that I would not be liable for the charge. 

I received a new card and my transactions were moved to the new account number, I was also issued a credit for the {$560.00} charge. I also received a form in the mail from the Fraud Division of Synchrony Bank with questions about how the theft could have occurred. I filled it out, signed it and returned it by mail to the company. 

I thought nothing more about it until the same {$560.00} charge reappeared on XX/XX/2018 on my online statement. I immediately contacted Synchrony Bank Customer Service who said it was the XXXX charge and gave me a phone number for the Fraud Division and said I should call them. I did and the representative that I talked to said I had been issued a credit for the {$560.00} charge twice by mistake, once from XXXX and once from Synchrony Bank and that I would have to pay the {$560.00} charge. 

I checked my statement for XX/XX/2018 and found that while there were two credits ( refunds ) of {$560.00}, there were also two charges for {$560.00} which would have offset the credits. 

I've ran the numbers on my purchases and charges for my account and I do not owe Synchrony {$560.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.