23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I called and asked if my money can be on my card and they said they won't do it I suppose to have XXXX cents on to my card and they keep having excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account listed below 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 an account without my written instructions. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS DO NOT BELONG TO ME
Product: Student loan

I cosigned for several student loans for my daughter. These were all paid in full last Fall. 
We continue to get harassing calls from Navient at our home phone, for our daughter who does not live with us. I have called 3 times asking for our phone number to be taken out of their system. I was assured, by a supervisor on the third call, that this would occur. I asked for this in writing. They did send me a letter stating that the loans have been paid, but nothing stating that they have suppressed our phone number. These calls come sometimes 2-3 times a day. XXXX mornings. Even on XXXX. Always a robocall.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through Merchant 's Preferred Lease-Purchase Services. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted Merchant 's Preferred in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at Merchant 's Preferred and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to Merchant 's Preferred to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called Merchant 's Preferred 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact Merchant 's Preferred and waiting on a call back to resolve the issue, they are negatively reporting to XXXX  that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with Merchant 's Preferred.
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported suspected fraudulent activity in the form of a monthly transfer of about {$200.00} to {$300.00}, by a former roommate. The email, phone number and security question associated with the account might have been changed as well, precluding me from giving the proper responses. I have been handled and treated as if I were the fraudster. I've offered to send copies of my identification but instead was asked to contact CA EDD to obtain a benefits assessment letter ( I presume verification letter ). It took me nearly a week to get a hold of a live rep at EDD, who informed me no such thing existed and further EDD did not write letters upon request to anyone not even our financial services provider. On XX/XX/XXXX I contacted BofA a second time and was advised to contact EDD to gain access to my funds. EDD informed me that no ability to accomplish this and I would need to ask BofA. Today, XX/XX/XXXX, I phoned BofA a third time and was told I needed to contact EDD and ask them to somehow arrange the release of funds that BofA had frozen. When I asked who was the federal or state regulator of BofA the rep pretended to misunderstand the question at first. Upon being pressed she pretended not to understand the concept of a bank regulator. Eventually she offered the name, XXXX XXXX ( BofA Chairman ), as regulator. I asked repeatedly if the bank was regulated by the Office of the Comptroller of the Currency or the FDIC. I was then directed towards The Fed ( which I know is not an ngo ). I am unable to access approx {$1300.00} which I need to pay past due rent. This was the 3rd transfer ( and 45 min of holding ) and may have been the Risk Dept. After the second call the account moved from frozen to closed.
Product: Credit card or prepaid card

On XX/XX/2018, my daughter attempted to withdraw {$200.00} from a XXXX ATM XXXX XXXX XXXX XXXX Texas from my American Express Serve, prepaid card. The ATM displayed several error messages like card reader issues. Her last attempt she stated the machine made sounds as if the money was transmitted, however the cash never dispensed. I contacted American express and initiated a dispute. I faxed the required documents at least twice within the ten day time frame. On XX/XX/18 American express completed their investigation stating the ATM confirmed the withdrawal. On XX/XX/18 while using the same ATM the machine displayed the amount requested of {$500.00} was too large, I then requested {$400.00} and the same message appeared. I lowered my request to {$100.00}. The machine made sounds as if the money was dispensing. Took longer than normal. Finally a message appeared on screen stating they could not dispense the cash and to contact my bank. I contacted American express again regarding both transactions and I am awaiting response. I attempted to contact them on the first dispute but their automated phone system continued to drop calls. I also requested a copy of their investigation report and have been refused that copy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my entire consumer report and noticed I have unauthorized inquiries on my report. I never authorized XXXX XXXX XXXX XXXX permission to pull my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Equifax The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 

I looked at my Equifax credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I tried making a payment to GAP from my XXXX XXXX card using the routing and account number that is provided on the app. They declined to make this payment saying payment unauthorized. GAP took this as a cancelled payment from me. I had to call and get my account with GAP re-instated. On XX/XX/2018, I had a payment going to GAP for {$450.00}. I thought I had changed my direct deposit account over going into my ASE Savings account were I knew I wouldn't have any problem with the money coming out of that account. But due to a recent XXXX and XXXX XXXX apparently I didn't do it. So as soon as I realized this I called GAP and explained to them what happened and also made the payment by phone at the same time. I was told that it wouldn't be a problem. I also made a phone call a few days later to make sure it wouldn't be a problem and again I was told it wasn't. Well, I woke up this morning to a notice from XXXX  that my GAP account has been closed. I called and asked them why was this action taken and I was told because I had two returned payments. The first person I spoke with told me if I could confirm that the one on XX/XX/2018, was due to the XXXX XXXX policy and because I couldn't stop the payment on the other one then I could possibly get the account re-instated. This turned out not to be the case and I spoke with other " supervisors '' who didn't seem to want to look at the fact that I called when I recognized the mistake, made the payment and the other one wasn't my fault because I did not know you could put money in to XXXX XXXX but you can only use the card to take it out.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



XXXX. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter XXXX that was filed is incorrect and the Dates is incorrect, I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Product: Debt collection

Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items must be removed.
Product: Debt collection

This is another debt collections company trying to threaten me with suspended license trying to extort me on behalf of an insurance company whos claim was already disputed both through them and the last debt collectors they tried to send
Product: Credit reporting or other personal consumer reports

I dont even know where to begin? okay so theres an accout reporting from FCO, that doesnt belong to me. Apparently, someone obtained an apartment in my name. i sent the affidavit months ago. i was later advised that i was required to send my lease that showed my residents from XXXX. I reached out and called the collection agency in XXXX of this year. I was informed to email leases which i did, and until this day, IN XXXX i have yet to recieved a follow up or resolution. i just dont know who to turn to at this point. Im asking for a removal of account from profilel ACCOUNT # XXXX XXXX XXXX XXXX WAS THE REPRESENTATIVE I CORRESPONDED WITH IN EMAIL
Product: Student loan

In XXXX of XXXX, I paid XXXX the remaining balance of my student loans, which was {$400.00}. In XXXX of XXXX, I received a letter from AidVantage stating my loan account from XXXX had been transferred to them, and that I owe {$400.00}. I was instructed to contact XXXX and obtain a financial activity summary, as I no longer had access to my online account with XXXX. I did as instructed. After some time, I received a statement from XXXX, which does not include any information about loan sequence XXXX. Loan sequence 1 was the loan in which I paid the remaining {$400.00} balance off in XXXX. Loan 2 and 3 were already paid off previous to this date. I was able to go back through thousands of emails and find proof of my loan pay off for loan 1, 2, and 3 and submitted this to AidVantage. AidVantage said twice they would review this. The first time, I did not hear back. The second time they said they would review it and after a few weeks, they sent me a letter stating that I simply owe {$400.00}. On Friday, XX/XX/XXXX, I contacted AidVantage for a third time and provided proof of payoff. They told me they would have it reviewed by XX/XX/XXXX.
Product: Mortgage

My mortgage was bought out by M & T Bank XXXX XXXX XXXX XXXX, NY XXXX. I pay my payment through bill pay and it is set up to be delivered to M & T Bank by a certain date. If it arrives XX/XX/XXXX or after they will charge me a late fee according to their statement. They have gotten my payment before XX/XX/XXXX and charged me a late fee on several occasions. I brought this to their attention and they have failed to refund the fees for all of the times they have charged me a late fee when it was n't late, according to their terms. It happens often that they charge the fee regardless. I usually pay my payment between XX/XX/XXXX and XX/XX/XXXX the first years they had the contract, but now since they have been charging me a late fee regardless, and I ca n't get them to stop, I just pay it reluctantly with the late fee as part of my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquired about my credit rating without my permission. On XX/XX/2020 the company asked for my social to prove who I am over the phone, I never gave written or verbal consent for them to run my credit score.
Product: Mortgage

In XXXX I took out a mortgage on my home $ XXXX the first few months it was transferred several times until it was acquired by XXXX and I made my payments to them until XXXX XXXX when they returned my last payment and informed me that it was now being handled by Ocwen Loan service and that I would be receiving information from them very shortly where to make the payment. After waiting a couple weeks and not hear from them I contacted XXXX because I started receiving letters for nonpayments and threats of foreclosure. In XXXX XXXX I asked my principal balance it was {$130000.00}. So I contacted Ocwen to be informed it was not all in their system and I would be contacted as soon as everything was transferred. Several weeks later I contacted Ocwen again at that time ask my principal balance. In XXXX XXXX they sent me a payoff quote of XXXX I immediately started disputing it. That is when my nightmare began. On XXXX/XXXX/XXXX I made a payment of $ XXXX Ocwen by wire transfer. In XXXX I made payments in a total of {$22000.00}. Still fighting with them. In XXXX I received a letter of foreclosure. Tired of the fight I Wired {$5000.00} to Ocwen. Thinking everything was done I waited for my releasably of lien to my surprise instead I was served paper on forclosure had to hire lawyers and go to court on our court dated my Lawer provided theirs with all pymt proof, insurance, tax reciepts, and a letter from a CPA stating as of XXXX XXXX Ocwen had been overpaid {$3000.00} so we did n't go to court. A week later my attorney received a letter from their attorney informing him that he was withdrawing from the case because even with all the reciepts and letter Ocwen want to continue with foreclosure. And again I was served papers by a different attorney foreclosing. I met with my attorney that day we decided to contact their attorney settle then file suit for the money over paid and the settlement amount. This was XXXX XXXX he sent their attorney a cashier 's check for the amount of {$3100.00} Again I thought it was over. But I continue to receive letters instead of the release of lien so in XXXX of XXXX I had to stop payment on the cashiers check and have a new one issued because when my attorney spoke with Ocwen he was told ( it 's somewhere did n't know where ) and I had to sign a new payoff Affidavit that stated I was not going to try to recover funds in the suspended account or any overages that I my have paid and could n't make any derogative remarks about Ocwen. Finally on XXXX XXXX I received a letter of satisfaction. ( recovery, release / discharge ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXnkruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. insufficiently protected my data, and subsequently allowed it to be taken in their recent security breach. Equifax Inc. failed to notify me at the time of the breach, so my data may have been in unscrupulous hands for over two months while the company failed to take action to inform me. While I have not yet experienced identity theft as a result of this negligence, I expect better of a company that has access to sensitive financial information of hundreds of millions of Americans. I hope that Congress will take action to require accountability for major breaches such as this in the future.
Product: Debt collection

I received the following message from debt collector for an address I never lived at or owned : Important message about your XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

We previously sent you a notice of your validation rights under the Fair Debt Collection Practices Act. You may still have time to exercise those rights. 


Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} If you do not dispute the debt, please send your payment to the address below or go to XXXX XXXX your NRA ID # is XXXX National Recovery AgencyXXXX XXXX XXXXXXXX Email XXXX A XXXX XXXX XXXX XXXX  To stop receiving text messages reply STOP