23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Here are the details of the one or more transactions you didnt recognize or had issues with Below is the info that the scammer is using on PAYPAL email ID Transaction ID : XXXX Transaction date : XX/XX/2021 Transaction amount : {$350.00} USD Recipient email : XXXX PayPal ID : XXXX XXXX XXXX XXXX This transaction was to purchase a XXXX XXXX from XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ). The seller requested I send a {$350.00} deposit via PayPal and stated to me that I specifically put it under " friends and family '' in PayPal, which I have paid. I did what the seller requested and agreed to pay the rest on pickup. The address they gave me XXXX XXXX XXXX XXXX XXXX XXXX, TX was false. The phone number that used to contact me via voice and text is now disconnected but still shows on their website. Their email address is XXXX, breeders ' names are XXXX XXXX and XXXX, and Paypal account holder is under XXXX XXXX. I have documentation on these conversations. They are using XXXX on their website to show they are legitimate. Their website is still up and running. I have no idea how many innocent families they must be scamming. They had a XXXX account that they used to contact me which is also been deactivated called XXXX XXXX XXXX.
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  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 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

American Express stated they did have permissible purpose to pull my consumer report leaving an unautorized inquiry. I will need American Express to provide me with my written instruction stating that I authorized these transactions and the IP address matching to the IP address of my device that is registered under my name at the time of this unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to transunion several time about a bankruptcy on my report. I do n't believe they are properly investigating my dispute. As it comes back verified in a matter of a day or two. 
I have also asked several times for their verification source. I am told by the " supervisor '' that they do not know. 
I feel as if I have a right to know who is verifiing my information. Yet they refuse to tell me..
Product: Debt collection

Hello, Last year I filed a complaint using Dept. of education and CFPB about this exact issue and while it seems that Dept. of Education 's explanation of COVID federal student aid relief was incorrect ( as was my own state Senator 's ) the combined complaints got NAVIENT to actually pay attention to my current IDR and got off my back and stopped falsely reporting missed payments ( considering you can't miss a payment if your payment is $ XXXX ). 
It's just frustrating that my IDR was good till around XXXX or so and I just recertified yet NAVIENT started asking for repayment before that and ignored my contact attempts to remind them that I'm up to date. And I just submitted my new one with the paperwork for my income- I'm literally making about $ XXXX currently and that barely covers my {$800.00} in rent and I did have food stamps but currently Oregon has a massive backlog on recertifying so I don't even have that right now. Like do I have to go down in person and submit this income verification!? And why did they just stop at a random date on my IDR? On my end I show a completed IDR done end of XX/XX/2022 and I started getting payment requests in XXXX. They are super difficult to deal with and seemingly just ignore or my verification stuff just " vanishes ''. 
The worst part too is that their negligence resulted in a massive ding to my credit which ended up costing me a really good place to live! I'm currently staying friends who are getting a divorce and will likely sell the house in XXXX and while I'm working on job certifications and training to move into better paying jobs I need around another half year of studying and training but now I have to worry more about finding suitable living arrangements by XXXX and that puts me in a really bad position now. Had my credit score not dropped by XXXX points I would've been in a home with a better rent situation for myself, closer to work and on an actual 1 year lease with agreements not to raise rent ( the homeowner was actually very kind ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX I 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage with Ocwen servicing In 2014 I received XXXX IRS for {$57000.00} cancellation of Debt. Move forward XXXX I requested a pay off amount PHH Mortgage servicing has added the {$57000.00} back to my mortgage. I informed the escalation department of incorrect information amount. I am in the process of selling my house and now I have to go once again to inform of fraud behavior that PHH is continuing from Ocwen.
Product: Vehicle loan or lease

My car was repoed in early XXXX while preparing to leave for XXXX training abroad. No court issue issued.Federal law requires banks to get a court order before repossessing a car from members of the military. 

Car was taken, leaving family members without transportation to medical facilities and or groceries.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several good faith disputes asking for the validity of debts and to review my report and scores however, it continues to be a lower score than I feel that I deserve. It says that " I have too many delinquent accounts ''. I shouldn't have any delinquent accounts, I pay everything onetime and I paid my old car in full. These inconsistencies in the credit scores, dates and information is causing a poor score. I feel it is unfair because lives depend on credit and if I don't pay I encourage a poor score but if I pay everything, on time my score should report that as well as my report. I have attached the report to show my history and then I implore you to ask the bureaus why is my score still showing low 700 's?
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 : Acct # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, late payments, & XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Sec 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 A. It also states a consumer agency can not furnish a agency without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been attempting to sell my home through the Short Sale Process and Wells Fargo is not bargaining in good faith. I have an ALL CASH BUYER who is willing to payoff all the liens on the property. They have responded that it is in a ( Fourclosure status ) but they do not have a ( Sale Date ) for the auction. I am requesting that Wells Fargo re-open the Short Sale Process and bargain in good faith. They are also stating that they can not approve it because it is and ( FHA ) mortgage which makes no sense.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX South Carolina went bankrupt etc and everything was transferred to Westlake Portfolio.. I Have asked for my original contract several times from them they haven't provided it. My car was totaled XX/XX/year> the estimate was a little over {$7000.00} the loan balance it about {$17000.00} the car was not worth that price i shouldn't be stuck with that and the company seems to be fraudulent and not providing with proof they are owners of the contract
Product: Debt collection

Failed to provide itemized medical billing statements. Did not allow me to verify and dispute charges. I received a large bill from a Doctor who I never saw and who cancelled my appointment yet billed me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my Lexis Nexis Full File Disclosure 6 times. LexisNexis has sent 2 mailings that contain a URL and a PIN to retrieve my report. The first did not work, I called LexisNexis to tell them and they demanded excessive information, that I already sent in. I gave LexisNexis the information and told LN that the PIN did not work. The representative at LexisNexis said she would send my full report via paper ( hard copy ) to avoid this, yet they sent a NEW URL and PIN and the new PIN does not work either. 

LexisNexis is withholding my information illegally.
Product: Credit card

On XXXX XXXX, 2016, I instructed Citibank to close a secured credit card that I had with them. At the time of the request, my account has a zero balance, and had not been used for close to two months. Subsequently, I received a letter dated XXXX XXXX, 2016 acknowledging my request. It stated that the account in question has been closed. What followed is the reason for my complain, because it stated that it will refund any credit balance within 90 days! 
It took them a day to close my account, they knew then and there that I owed them nothing, there were no pending charges. My question is why does Citibank confiscate my money, use it without compensating me for it. Why does it take more than a few days to return a deposit? Why are institutions such Citibank allowed to extort people 's money? It certainly would n't take that company that amount of time to take me to court, or at least have collection agencies hounding me, or better yet, report my account to all credit bureaus in order to wreck my credit. 
I contacted the company on XXXX XXXX, 2016, 15 days after, and I was told that I had to to wait XXXX to six weeks from that date. The agent confirmed that he had no idea when the refund will be sent, so did his supervisor. 
It is clear that in the absence of regulation on the matter, each institution goes about its own way to swindle the consumers.
Product: Debt collection

This account was originally placed on my credit report for equipment they said I didn't return, which was actually returned. I disputed it and it was removed. It was later added by another company, I disputed it and it was removed again. Now it is showing up under another company 's name. This is utterly ridiculous!
Product: Checking or savings account

Opened a business checking account with XXXX XXXX XXXX XXXX ( regional in the Virginia and nearby area ) in XX/XX/2018 with a promotion attached to the account. Met the requirement of depositing money into the checking account and sitting for more than 60 days. Did not get the promotion bonus amount {$250.00} credit to the account. Was told there is another requirement of activities such as bill pay, debit card transactions, etc. However, the bank has not enabled bill pay for my account until today. I hope the bank can credit the {$250.00} to the account as the major requirement has been met and the fact the other requirement was not met because of the bank 's error, as a good-faith effort in addressing the issue with the customer. 
Note : The bank 's headquarter is located in XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX. There are multiple banks under the same name nationwide.
Product: Credit card or prepaid card

I hired XXXX XXXX XXXX XXXX to shuttle my vehicle and trailer from XXXX XXXX, Arizona to XXXX XXXX, Arizona, a distance of XXXX miles. While my vehicle was in the care of XXXX XXXX XXXX XXXX, it was driven XXXX miles. 

I disputed the charge of {$350.00} with my credit card company, CitiBank, and they agreed with my dispute, but the merchants bank would not refund the charge.
Product: Debt collection

I didnt realize I had an outstanding balance on my XXXX account, switched to XXXX in XX/XX/XXXX, XXXX closed my account so I could not log into it, was told I had a collection in XXXX, XXXX. Called XXXX to pay collection, they referred me to credit glory, credit glory told me they can dispute it and get it removed for a XXXX time fee of {$790.00}, {$380.00} for the hard inquiries, and {$25.00} per month for services for the dispute. They also told me if I pay it it wouldnt affect my credit score. I paid it thinking it was my only option to get my score back up. Nothing has happened XXXX XXXX later.
Product: Mortgage

My complaint is that Bank of America discriminated against my wife and I because of our age and retirement status in processing our application for a home equity line of credit- application # XXXX for {$150000.00}. 
We are both age XXXX. Our home is valued at {>= $1,000,000} by the XXXX Department XXXX XXXX, and eventually by Bank of America. Our home has NO mortgage. We have Social Security and pensions, with combined income of {$17000.00} per month. Our credit scores are XXXX or above. 
The following time line and events demonstrate how Bank of America manufactured reasons to delay our loan. 
XX/XX/XXXX - Faxed documentation to Bank of America loan application, copies of last XXXX years tax returns, 1099 's, etc. 
XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX ) told me outside date for completion was 12 weeks, i.e. end of XXXX. 
XX/XX/XXXX - Follow up request for more documentation. 
XX/XX/XXXX - Documentation submitted. 
XX/XX/XXXX - Copy of latest checking account statement requested and e-mailed. 
XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX ) stated underwriting team required verification that our pensions were lifetime duration! My pension is from New York XXXX, my wife 's from XXXX. 
XX/XX/XXXX - XX/XX/XXXX - Bank of American requests numerous documents re a one bedroom condo inherited by my wife in XXXX. Mortgage of {$56000.00}, XXXX Department XXXX XXXX valuation of {$93000.00}. 
Approx. XX/XX/XXXX - XXXX XXXX states underwriters returned application to him to ascertain what were the automatic deductions for {$75.00} and {$100.00} on our checking statement. 
XXXX XX/XX/XXXX - Bank of America requires a profit and loss statement for the current year of my wife 's XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX Books, operated out of our XXXX for which our tax returns reflected total sale of around {$5000.00} annually. We had to have our accountant create one. 
XX/XX/XXXX - Bank of America required another credit check because ones done at beginning of application process had expired. 
Our home insurance carrier, XXXX, notified us on XX/XX/XXXX that Bank of America had been added to our policy as a mortgagee. Our loan was NOT approved until XXXX, a time period almost twice as long as Bank of America initially advised us!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX  and XXXX acquired unauthorized access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 15 U.S.C 16 & 1 section 602 A. states I have the right to privacy 15 U.S.C 16 & 1 section 604 A section " ; 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

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment. 

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at. 

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Product: Debt collection

CAVALRY PORTFOLIO SERVIC Original creditor states that my medical debt/loan is aged at XX/XX/XXXX when this debt originally was incurred and went into collections in XXXX. My debt from the original creditor has been Re aged, therefore making it appear as a more recent debt than it actually is. Please have this company fix this false information as it is illegal under the Fair Credit Reporting Act.
Product: Debt collection

I have been contacted about an account that is over 4 years old. They threatened to sue and garnish wages and even contacted my employer and friend. 
On XX/XX/XXXX a locator contacted me and left a voicemail about a case against me for supposed fraud and breach of contract for XXXX XXXX XXXX. After not being able to reach me, this same locator XXXX XXXX contacted my job and a friend of mine telling them to contact me. After receiving voicemails from the 3 of  them, I contacted XXXX to determine what the issue was. The agent said it is in reference to a XXXX XXXX account ( that had been closed since XXXX ) and prompted collection of the alleged amount owed or I would have to appear in court. After doing my due diligence to find the account on my credit report, it shows the cash central account was indeed closed and listed {$0.00} as a balance. However, this company is claiming I owe {$1200.00}. A complete validation letter has not been given to me. The collection account is not on my credit report and the collection agency did not have my address on file or gender correct in the correspondence I did receive. This company seems like a scam. I almost fell into the trap before researching SC 's statute of limitations laws and looking into my credit file. The " validation '' letter they emailed me clearly does not even contain all of the required information. Even after sending them cease and desist letters In XXXX via email and postal mail they continue to contact my relatives in an effort to reach me.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to delete this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly delete the following account XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  Was self a fraud file and told to review fraudulent card that was opened under consumer. XXXX refused to investigate issue even while card has already been removed from XXXX for fraud. XXXX refused to investigate issue and continued reporting false data, XXXX did not ask questions or review fraud report and instead ignored consumer in emails and continued reporting false data. Attached you will see the address and file XXXX has continuously reported and see that does not match current past address yet XXXX ignored consumers complains and contained reported data
Product: Credit reporting or other personal consumer reports

Noticed there has a hard inquiry I did not recognize.