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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED, as required 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 5 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 items of information contained in a 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. The XXXX and XXXX credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

My account was hacked and a fraudulent check, was put into my account and cashed and withdrawn. I have contacted the bank of requested the proper paperwork to fill out nothing was sent to me. I didnt receive anything my account was closed and they told me Im responsible for the debt.
Product: Mortgage

On Sunday,  XXXX   XXXX ,  XXXX , I was placed in handcuffs by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  and a non-jurisdictional  officer f rom   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and was transported to  XXXX   XXXX   XXXX  Jail in  XXXX , VA because I refused to sign a warrant for arrest concerning a violation of protective order against  XXXX   XXXX . This is the third attempt by  XXXX   XXXX  and  XXXX  family, et al. to attack my professional career   XXXX   XXXX   XXXX   XXXX   and housing known as  XXXX   XXXX   XXXX   XXXX , VA  XXXX  with tactics such as protective orders when the property does not belong to them and was never agreed to be signed over or consented to being signed over by  XXXX   XXXX   XXXX . There is no remedy for a person that does not want to sign over their property to another party or sign agreements that does not protect their rights. The  Quit Claim  Deed sent to the  XXXX  and that was given to their attorneys will be attached. That is the only agreement  XXXX   XXXX   XXXX  will be consenting to. I was not allowed to make a phone call until I was booked and during booking I made it known in writing that I did not know that I was under arrest or being charged with anything because I was not read my rights or informed of what charge I was committing.     Please find the final correspondence ( quit claim deed ) to the  XXXX  regarding their usage of the property or property address known as  XXXX   XXXX   XXXX   XXXX , VA  XXXX  that was not agreed to be granted to the  XXXX  or  XXXX  or others by  XXXX   XXXX   XXXX . It has been filed with court documents in the  XXXX   XXXX    XXXX   XXXX   XXXX    room  XXXX   XXXX   XXXX . :  XXXX  ) and in transferred court documents  XXXX   XXXX   XXXX   XXXX  v.  XXXX   XXXX , et al. as described in the complaint,  XXXX   XXXX .  XXXX   XXXX  in  XXXX   XXXX   XXXX   XXXX   Court . The  XXXX  and their attorney  ( s  ) have accepted receipt of the document in those court records. The filing fees that covered these filings were by  XXXX   XXXX   XXXX  in the amount of {$86.00}  XXXX   XXXX / XXXX / XXXX  ), {$12.00}  XXXX   XXXX / XXXX / XXXX  ), {$24.00}  XXXX   XXXX / XXXX / XXXX  ), {$260.00}  XXXX   XXXX / XXXX / XXXX  ) with all receipts attached ; totaling {$380.00} that covered all documents filed and responded to by  XXXX   XXXX   XXXX . Amongst those in the filed complaint was  XXXX   XXXX   XXXX   XXXX   XXXX  under receipt #  XXXX .  XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  under receipt #  XXXX .     Additionally, the individuals filling out these forms should be required from placing another individuals address on the form as the address on those forms and other recent forms is a  XXXX   XXXX   XXXX   XXXX  address and just because I am FOUND at that address does not mean I own the address. The same applies with the  XXXX , et al. Just because they are FOUND at that address and use that address on documents, it is not an indication or assurance that they OWN that property or address. The  XXXX , et al. does not OWN the property known as  XXXX   XXXX   XXXX   XXXX , VA  XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is completely inaccurate. 

XXXXXXXX XXXX XXXX XXXX AND XXXX This is not mine XXXXXXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX XXXX XXXX I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXX XXXX XXXXXXXX This Information is IncorrecXXXX XXXX XXXX XXXXXXXX This is not mine INQUIRIES XXXX XXXX XXXX L XXXX XXXXXXXX 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 NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting

I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?
Product: Credit reporting or other personal consumer reports

Please help me and reach out XXXX if you have any questions I would love to speak with someone about this I am a man older gentleman that is not very aware or privy to the knowledge regarding this and I'm just really scared that someone's using my information. 

I have collections that I never occurred or signed up for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also I have negative accounts on my personal credit information that I have never seen in my life : : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ATTN : CFPB I need you to engage in enforcement action on my behalf against TRANSUNION. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold XXXX, TransUnion, and XXXX accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Transunion. I've attached proof that USPS delivered and signatures upon receipt. 
Transunion : XX/XX/XXXX, XXXX pm My request to block is not being made in error, nor is my request to block being made of material representation of fact by me relevant to the request to block the identified transactions. 

Identity theft account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX {$6800.00} Identity theft inquiries : 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: Money transfer, virtual currency, or money service

I Have send over Coinbase money to XXXX XXXX XXXX for a service. Service was not provided as arranged so I cancelled payment with XXXX XXXX as arranged. He cancelled it also. Now XXXX did not repay my funds. As I contacted Coinbase the closed my account. XXXX. XXXX appears as they Have return my funds Coinbase says there is no money on my account. Please research.
Product: Mortgage

I have been contacting this company since XX/XX/year> in regard to improper billing practices. My timely payments were being held, sometimes for several weeks, before being posted one day after the late fee could be assessed. Then AXOS reported XXXX of these payments as 30 day lates, despite all payments being made timely, but processed within a day or two after the XXXX day grace period. None of these payments posted 30 days late and reporting to the credit bureaus three separate 30 day late payments which do not exist damaged my credit score and cost me tens of thousands of dollars in interest on mortgages, credit cards and lines of credit. 

As a direct result of this company 's predatory billing practices, I have suffered a significant credit hit and financial damages for higher interest rates on a mortgage that will cost me tens of thousands of dollars over the life of my loan. 

I have included the original contact in XXXX asking for resolution and it shows they closed my case without any resolution and the 30 day lates are still showing on my credit, despite no payments even being late, let alone 30 days late, even nearly 3 years later. 

I contacted multiple times and have been ignored. I have asked repeatedly to have my case escalated and nothing has been resolved. I have also repored to CFPB in XXXX  and they claimed to have resolved the issue, but nothing has been resolved. My account number is XXXX. 

CFPB reference number is XXXX from the original case in XXXX
Product: Money transfers

Hello, I used Western Union ( WU PAY ) service to send money to XXXX for emergency on XX/XX/XXXX. I call WU on XX/XX/XXXX to see if they got money from my bank yet and they said due to technical issue so they have not received the money yet. I called my bank company to check if my money has been sent to WU and I was told that money has sent to WU. I called WU pay back and explained to them and was told to call back in 24 to 48 hours to check the status of the money. I called them back daily after the XXXX and until the XXXX I got an email like this : " Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. " I called them right after the email on the XXXX and was told my transaction has been cancelled and I will receive the refund within 3-5 busniness days. I questioned them why did not they notify me about the cancellation and the answer was : " you did not receive an email from us yet? I am so sorry if you did not " Today is XX/XX/XXXX and after spent 5 hours of talking, waiting from dept to dept I still have not received my refund yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information that listed on my credit report XXXX XXXX XXXX XXXX does not relate to any transaction that I have made
Product: Checking or savings account

I had an account with Bank of America. I ended up losing my wallet and I started getting these notifications that my card was being linked to different things. Couple days later my account was closed by the bank. When I asked, they said they said business reasons. I ended up calling Bank of America at least 12 times and I was put on hold for 20+ minutes each time only for them to answer and transfer me and the call immediately dropped after I was transferred. I finally got to talk to one of them and they said there was a fraud alert on my account and that my account had no valid funds and was negative {$1000.00} and I owe it to them. I dont know whats going but I havent been able to open a new bank account because of this. Also some things with my Social Security number dont work either. Please fix this ASAP.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase XXXX credit card : I purchased a XXXX garage door keypad {$57.00} from XXXX 's seller named XXXX XX/XX/year>. I received it and tried to program it with no success. I contacted XXXX through their chat program and was told I had to contact XXXX directly. I then contacted XXXX and the seller agreed to a refund : See uploaded screenshot. 

I then contacted XXXX customer service and the representative state " it will never work it's a XXXX knockoff ' ''. 
I then contacted XXXX through their chat program again and they refused to refund my money and would not give me access to a pre printed return label to the seller. I disputed it again and it was denied. 
I contacted Chase ( my credit card ) after that and sent them documentation supporting my dispute and they refused to credit my account for {$57.00}. 
So, XXXX first refused my refund and then Chase refused my credit of {$57.00}. 

I filed a complaint with the FTC and my report number is XXXX.
Product: Credit card

( Dates are best estimates as my account has been closed by the store by their choice ) I opened a Wayfair credit card in XXXX with Citi Bank. I received my credit card and proceed to make a large purchase of ~ {$2500.00}. Immediately after the online purchase I received communication my order had been canceled. 

I contacted the merchant and had to verify my identity and my credit card information. I was then notified they will redo the purchase on there end. They came back on the phone line, and told me they can not complete the order as it has been canceled and to complete it myself again I completed the same purchase yet again the total price this time was slightly more this time though. Immediately after checkout, I received communication my order was canceled. I contacted the merchant who made me verify my identity and my credit card information. They put me on hold. They came back again this time and told me they would not be processing my order and that I was not permitted to shop with them anymore and I needed to shop elsewhere. 

Still on my card statement to this date is a charge for each one of the attempted transactions for a random amount of money less then the total. Which happens to be the cost of the toilet for the first order and the price of the vanity for the 2nd order. 

I had filed multiple disputes using the online process with citi. After filing the report, I have never received any form of communication other then my dispute has been submitted. I continued disputing it up til the date that I received my statement for the 2 charges that should not exist even though the dispute confirmation letter stated the charges would be put on hold and not be due pending completion of an investigation. 

I then contacted citi using the messaging link in a text message I received stating my account was late. The customer service disregarded the information ( all of the above ) and told me they can not help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act -XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late 2022 I have not been able to use the Zelle service with my mobile number of XXXX. I was never given a reason as to why I can not use the service with my mobile number. I have made several calls to Zelle and the only information I have been given was that my previous bank has made my number ineligible. My previous bank was XXXX XXXX  and I have also made several calls to them in which they refer me over to Zelle support. I do not know why my number has been blacklisted from the Zelle network. This has created a lot of financial issues for me as I am unable to receive rent payments timely. Attached you will find 1. The XXXX Zelle agreement. I have met all requirements to use the Zelle service and would like to continue using the service.
Product: Debt collection

debt for medical service XXXX included in XXXX XXXX bankruptcy filing
Product: Credit card or prepaid card

It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault
Product: Mortgage

I have been having problems with BOA since XXXX. I finally got a hold of your organization in XXXX. By doing, so finally, BOA fixed my account and it took from XXXX to XXXX to finally get it corrected, see XXXX. 

The BOA has been calling me monthly, weekly and now daily requesting me to pay them XXXX to bring my account to current. I was paying an additional XXXX every month towards my Equity loan and again the bank continuously messed up the payments and I wind up calling the bank, seems like monthly for them to fix the account. In XX/XX/XXXX, they took the XXXX I submitted and only put the incorrect low payment on my loan and are requesting for me to pay the additional amount to bring to to current but they refuse to fix the error on their end to make me whole. I stopped paying the additional XXXX a few months back to see if the problem was me sending additional funds every month to the equity loan that was causing the problem. I am XXXX XXXX XXXX have XXXX and they have continually upset me, calling requesting additional funds and that they would fix the account. Today, the manager wasn't listening and just wanted the additional funds instead of fixing my account and bringing the a account current. 
Please help me with this mess, I can't take the stress that this situation is causing me. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine TARGET/TD Account XXXX balance : {$560.00} Please remove it from my credit report. 
it does not belong me never had this account
Product: Debt collection

TrueAccord sent my relative multiple emails regarding a collection. It was went from these emails on XX/XX/2021. Each email has info from an old collection account with XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX emails had all the debt info including amount owed and company owed to. I did not want my family to know my personal problems and this has caused me significant issues. Im not sure how they found this email address since its actually a business email that a family member has. They sent a total of 5 emails. Each email comes from a different individual. The emails were forwarded to me by the person who received it.
Product: Credit card

Issue # 1 transferred large balance using a promo offer for XXXX percent interest. Was charged the transfer fee and they never applied promo. Claimed that I did not use the promo to transfer when in fact I had. Card company refused to rectify and I paid off balance. 

Issue # 2 made a payment of XXXX at XXXXXXXX XXXX on the day it was due and was charged a late fee. Called twice to have it removed and am still waiting. 

Issue # 3 completed a new transfer using a promo offer and took a photo of the offer when processing. This company charged me a XXXX percent transfer fee and then used my next payment to pay down the XXXX balance amount instead of the higher rate balance!
Product: Mortgage

In XX/XX/2010 my mortgage owned by Litton was sold to OCWEN. OCWEN immediatly served me with foreclosue process, even though I was keeping up with my payments with Litton. I spent 9 frustrating and expensive months ( paying legal fees ) to obtain a loan modification. I tried to send payments in during the 9 month period but OCWEN would reject them. As each month passed I never knew whether me and my young daughter would have a roof over our head the next day. When my loan modification was finally obtained, OCWEN promised that if I made my payments on time for 3 years that they would forgive the fees and penalties they had accessed me during the foreclosure process. I kept my payments on time for the past 5 years and now am getting ready to sell my home only to discover in Escrow documents that OCWEN is charging me an additional {$70000.00} in addition to my mortgage payoff amount. They are calling them " shared appreciation ''.