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

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from Experian and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON EXPERIAN AS XXXX XXXX EXPERIAN XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Product: Credit reporting

I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!!
Product: Credit reporting or other personal consumer reports

COMPLAINT I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2019 dated for XX/XX/2019 saying to please find the documents for the above mentioned account. If you have any questions, please feel free to contact us at the number listed below. 

I contacted Mercantile Adjustment Bureau immediately to take care of the debt because we are in the process of obtaining a home loan and this will drastically hurt us. 

When I contacted them, they stated they sent out a letter on XX/XX/2019 to our previous home address which we have not been in for almost 3 years. We did not receive a letter to dispute this or take care of it in a timely manner. They sent the letter to the correct address on XX/XX/XXXX. However when I spoke with them on XX/XX/2019, they stated they had already reported this to my credit. 

I believer they have inaccurately and illegally reported this debt to my credit, with intentions of hurting my credit. 

They state they have called my phone number and work phone number multiple times, however I have not logged phone calls of this. My work phone is manned XXXX and I have never received 1 message from them. 


They are ruining people 's lives by not doing their due diligence and sending letters to correct addresses in a timely manner OR calling and reaching someone before reporting to someones credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all three credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with five others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the five others that they can not validate be removed as well.
Product: Credit reporting, credit repair services, 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 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 has 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 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, credit repair services, or other personal consumer reports

To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few XXXX dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ 30,000+ credit available and $ 25,000+ in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
Product: Student loan

BACKGROUND : My Private Student Loan was owned by XXXX. My account number is XXXX. 
Recently, XXXX switched to Mohela for servicing the loan. I changed the XXXX XXXX information in my XXXX XXXX XXXXXXXX account to reflect Mohela ( not XXXX ), based on instructions provided by Mohela. 
WHAT HAPPENED : My {$250.00} payment was made via XXXX XXXX XXXXXXXX XXXX XXXX from my checking account on XX/XX/year>. It was sent to Mohela, but it did not go to the correct Mohela department. Mohela now says I am a month late. I have contacted the Mohela address it was sent to, but I can not get anyone on the phone to help me sort this out. Meanwhile, the Mohela Department that needs my money is calling me and is showing my account is past due. 
MOHELA INFO : My payment was sent to : Mohela Higher Ed / XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / Phone : XXXX. 
It should have gone to Mohela / XXXX XXXX XXXX/ XXXX XXXX PA XXXX. XXXX XXXX is the rep I have been speaking with at the correct Mohela. 
IN CONCLUSION : My loan payment of {$250.00} was paid. It went to the wrong department at Mohela. I can't get in touch with Mohela Higher Ed ( who receveid the money ) to straighten it out. I am attaching screenshots from my XXXX XXXX XXXXXXXX account showing the payment information, along with a screenshot of my Mohela account showing it's past due.
Product: Mortgage

I had a mortgage and escrow account with Freedom Mortgage ( https : //www.freedommortgage.com/contact ) for my condo. I paid all my monthly bills on time but they never paid the 2021 second half property tax for my property. I called them immediately after I found the issue and learned that they used the money in my escrow account and paid the tax of a *wrong* property that is not owned by us. 

I filed several notice of errors with them, they replied my mails with unrelated information but they never corrected the error. I had to pay for my property tax as well as the penalties and interests myself. 

Now they transferred my mortgage to another company and they refuse to correct their mistake by saying " the service has been transferred to another company ''.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following trade-line item is because FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy, FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting, FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information, FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms, 15 U.S. Code 1666b. 

Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX The Inaccurate accounts that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Should you fail to make the requested deletion, I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Product: Mortgage

Due to XXXX my income decreased tremendously Ive reached out to flagstar several times and have yet to receive any information or helpful assistance to keep my home. I have told them several times my home is occupied and I would love to keep my home. I was recently approved for the Gov assistance grant for XXXX dollars since Ive been calling flagstar everyday. Finally they told me they received it I asked the customer service rep for flagstar how much more did I owe he told me the would reach out in a few days. I never received a call or email. Every time I call and speak with a supervisor or customer service rep I get the same exact run around every time. They tell me they will give me a call back and it never happens. It seems as though there allowing time and interest to accumulate theyve already received the Gov. grant its going on two months. I need my home I have XXXX children and this is our only home.
Product: Checking or savings account

I never received my Disputes do to fraudulent activity on my account with Navy Federal Credit Union I have been a member for 4 years up to XX/XX/year> I have requested XXXX $ to be returned and refunded to my account and I never received my funds. And this cost me to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took XXXX business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem for almost a month asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.
Product: Checking or savings account

On XX/XX/XXXX I made an online deposit at Bank of America with a check that I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as per the attached photo and another online deposit at Bank of America on XX/XX/XXXX of XXXX in the amount of {$1000.00} from the company XXXX XXXX XXXX XXXX XXXX, as attached, the XXXX checks were normally cleared to my company account. On XX/XX/XXXX my wallet was stolen and it contained the XXXX check sheets, which had already been cleared and on XX/XX/XXXX the value of the XXXX checks XXXX for {$4200.00} and another for {$1000.00} was withdrawn from my account, on the statement it is marked that there was a Debit Ad adjustment Duplicate, I made a report on the day of the theft, I called the bank, I complained about the withdrawal of the money, they told me that I would have up to 60 days to investigate the incident, because I called the bank and went directly to a physical branch, I talked to a manager and at the time she called the fraud department, because so far they haven't solved my case and they don't refund my money. I always call the Bank of America fraud department and they claim I deposited XXXX Xx the same check. 
Because the bank has an electronic system and doesn't allow me to deposit the check, I don't understand why the money disappeared from my account, because if I had deposited it twice, it would have doubled the amount in my account. I already called the respective owners of the XXXX checks and they informed me that the amount did not return to their account and other than that the manager suggested and opened another account of my company and said that I could receive my checks deposited and that there would be no problem with them paying the other account that is negative because of the amount withdrawn. 
Account number : Route number : Second open account suggested by the manager : Route number : I don't know what else to do, it's already been 90 days and they claim they won't refund the money and on XXXX I made a check deposit in the amount of {$650.00} in the new account I was using normally and on XXXX they transferred {$630.00}, XXXX for the account. they closed my account they don't want to return the money and they say that the checks were cashed at a check cashing house this is absurd because I had already deposited it once
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.
Product: Debt collection

Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}
Product: Money transfer, virtual currency, or money service

Previous complaint ID XXXX This company never asked me to provide any type of report from law enforcement despite the fact that the receiving bank requested for the police report to the company on XX/XX/year>. 

The company mishandle the case and demonstrates how they neglect my case, they didn't take it seriously. 

I have reported to FTC, local police department, and XXXX XXXXXXXX XXXX XXXX XXXX under the XXXXXXXX XXXX XXXX XXXX since XX/XX/year>. 

Here I attached XXXX reports from two different law enforcements. 

And the company states, all transactions were authorized that is not true, I sent money by scammer 's instruction, not my willpower. 

Moreover, the company said, a recall was not requested for the wire transfer for {$1900.00}. which is not true, I did it on XX/XX/year>, at the chase local branch and XX/XX/year>. 

The company advised, " You can contact us at the same number above to submit a recall request '' they never provide the number that I can submit a recall request '' Over the 20 years of my bank history, nowhere to find that I made transfer that much money in short term. Obviously, it's an unusual transaction and not authorized. 
It's over XXXX USD in less than 3 months. Thus, that is not an authorized transaction.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER ( Original creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that XXXX is in breach of this provision. The following accounts were never reported on my consumer report by XXXX with me as the consumer 's express authorization. 

Consumer : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX date of birth : XX/XX/1990 XXXX file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. XXXX is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; XXXX must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Attached is my identity theft report and a police report.
Product: Debt collection

I have been receiving phone calls from this company leavi ng five daily voice mails.This company Is reaching out to my family members threatening them that they must speak to me or my family member will be forced liability.