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

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They refuse to credit my account for a fraudulent transaction. 

They can not send me information on what the purchase was for. 


RE : XXXX # XXXX & XXXX Dear XXXX, Why did your short my auto-payment by {$110.00} ( the amount of my dispute ). 

That caused me to incur a finance charge. 

The {$110.00} charge is fraud from a scam artist company ( see below ). 

Please credit my account the finance charge and the {$110.00} charged due to fraud. 

Thank you, XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX is a fake online store! 

XXXX : {$110.00} Dispute Apparently, they came up with some phony mail receipts. 
Please resend them to me as I am going to report them for mail fraud. Their emails bounce. 
Thank you, XXXX This is an automatically generated Delivery Status Notification. Delivery to the following recipients was aborted after XXXX hour ( s ) : XXXX XXXX XXXX : There was an error while attempting to deliver your message with [ Subject : " Hi, You charged by XXXX credit card {$110.00} on XXXX. What was it for? I have no record of receiving anything. Please advise XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : GB - XXXX XXXX XXXX Account Number : XXXX Currency : US XXXX ( USD ) Merchant : XXXX XXXXS Merchant Information : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS XXXX  AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.
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. 

List of Unauthorized 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 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 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: Debt collection

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Type : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$470.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Date Last Active:XXXX  XX/XX/XXXX Date of Last Payment : - As you can see, the account was disputed, but the inaccurate information was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on XXXX XXXX XXXX website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of XXXXXXXX XXXX XXXX website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from XXXX. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from XXXX until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by XXXX. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.
Product: Debt collection

I received a letter in XX/XX/2024 from Cedars Business Services , LLC. The letter stated that if I responded by XX/XX/2024, that the company must " stop collection on any amount you dispute until we send you information that showed you owe the debt. ". 

I responded on their form to dispute the debt, specifically stating " Not my debt. Past statute of limitations. Do not attempt to collect. Provide any documents on file ''. This letter was mailed back to the company on XX/XX/2024. 

I did not hear anything in response nor did I receive any of the documents requested. Despite the law requiring them to stop collection attempts and their letter stating the same, Cedars reported this disputed debt to the credit reporting agencies. I received an email notification from XXXX XXXX alerting me to this action. 

Cedars engaged in illegal debt collections actions by continuing to try to collect the debt by reporting this to the credit agencies, despite never providing me the legally required documentation.
Product: Credit reporting or other personal consumer reports

These inquiries including on the attached police report document provided are fraudulent and i did not authorize, they are fraud inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

MCA havent removed collection of my XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following to be removed ASAP. Thank you. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO REPORT DUPLICATE ACCOUNTS EVEN AFTER REQUESTING REMOVAL MORE THAN ONCE AND NOW 4 MONTHS LATER!! 
ACCOUNT # XXXX IS 14 DUPLICATES FOR STUDENT LOAN THE ACCOUNT STATUS IS SHOWING " INDETERMINATE '' WHICH IS NOT CORRECT AT ALL. 

ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED 4 TIMES!! 

ACCOUNT XXXX ALSO WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED THIS IS HURTING MY CREDIT RATING AND I DEMAND FOR AN INVESTIGATION AND CORRECTION AS SOON AS POSSIBLE! 

THANK YOU!
Product: Credit reporting or other personal consumer reports

Portfolio Recovery and Associates offered me a settlement of my credit card debt that they bought for {$340.00} and some change. I paid it in XXXX payments and was told they would report the debt paid in full. They reported that I still owe {$82.00} which is FALSE and that the debt is 82 % paid. I contacted them and they have refused to correct it.
Product: Credit card or prepaid card

I had a Citi AAdvantage Platinum Select credit card. I received a statement for the billing period XX/XX/20 - XX/XX/20 that had a balance of {$350.00}. Payment due date was XX/XX/20. I attempted to make the full payment on XX/XX/20. However the credit card company credited the payment on XX/XX/20 and charged me a late payment fees of {$25.00} and interest of {$4.00}. I called Citicard in XXXX and attempted to get the late charges and interest charges removed. The representative said that he was having 'system ' problems and he would take care of it. I requested that my account be closed and he closed my account. In my account statement of XX/XX/20 - XX/XX/20 the late payment charge and interest charge was still there and the balance owed was {$30.00}. I assumed that this would be removed as the representative had told me and the account would be closed. 

In the account statement covering period XX/XX/20 - XX/XX/20 another late payment charge of {$25.00} was added with interest of XXXX cents for a grand balance of {$56.00}. I called today and spoke to a representative and explained the problem that this account had been closed a couple of months back after i had paid the full amount and the Citi representative that time had agreed to remove the late charges and close the account. Instead of removing another late payment charge of {$25.00} had been added plus XXXX cents of interest. This representative attempted to help but was unable to because the 'system ' would not let him. He escalated this up to someone who escalated this further up but to no avail. The 'system ' would not let them remove the 2 late charges of {$25.00} each plus the accumulated interest. This whole process took half a day of my time. So my complaint is about this imaginary 'system ' that allows Citi to get away by imposing late charges on late charges. I attempted to close the account after paying the balance in full 2 months ago and here I am still owing Citicard.
Product: Credit card

My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why the bureau keeps telling me to send the same documentation that I have already sent to them numerous times. Once again, I am a victim of identity theft and again I have attached the FTC for XXXX XXXX XXXX XXXX, My identification and a copy of my social security card
Product: Mortgage

In XX/XX/XXXX I contacted Reverse Mortgage Funding LLC to negotiate a reverse mortgage. I asked for {$5000.00} at closing for upgrades on my master bathroom, and {$1000.00} a month. Closing was on XX/XX/XXXX. My house was appraised at {$210000.00}. Everything went very smoothly and XXXX was easy to deal with. I received a monthly statement which included a " Credit Draw Request Form ''. 

In XX/XX/XXXX, I contacted XXXX and requested a draw of {$25000.00} to add a garage to my house. I was told I would have to apply for a NEW reverse mortgage and get a new appraisal, which came in at {$220000.00} ( without the new garage ). The XXXX agent sent an email stating the I could only draw {$20000.00} plus {$1000.00} monthly. A contractor was signed to do the work and he put a lien on the property for the work to be done. XXXX called to say they could n't close until the construction was completed and the debt paid. I paid the contractor in full from my savings, leaving a very small cushion. 

I told the XXXX agent I would like a new appraisal. He said the new appraisal could n't be done until XX/XX/XXXX. I agreed to wait. In the middle of XX/XX/XXXX, the XXXX agent called to let me know that the laws would be changing in early XX/XX/XXXX, limiting the amount I could access. He suggested I should close ASAP. Closing was XX/XX/XXXX, at which time I was told I would only receive $ 17,000+ on the initial draw. I gave the notary a voided check for direct deposit into my account for the initial draw and another voided check for the monthly draw. However, the amount deposited in my account was $ 16,000+. On XX/XX/XXXX, expecting a deposit in my account of {$1000.00}, I was disappointed. I contacted the agent I had been dealing with who told me there was no clause indicating the monthly draw. 

I do n't have a copy of the closing paperwork. I believe the notary took my copy by mistake.
Product: Mortgage

My experience with Amerisave in XX/XX/XXXX was eerily similar to the bait-and-switch mortgage lending practices that the CFPB identified in its XXXX Enforcement Actions against Amerisave. 

1 ) I was " promised '' a low interest rate on my mortgage loan ( my mortgage loan officer was XXXX XXXX and loan # was XXXX ) that later become unavailable without adequate explanation at the time I attempted to lock the rate. When I pushed back on the " bait and switch '', I was subsequently re-assured that the originally promised lower rate would be made available to me but that promise never was fulfilled by AmeriSave 2 ) AmeriSave locked me in with costly up-front fees, in my case I was charged {$550.00} for an appraisal prior to ever sending or delivering a Loan Estimate to me ( and this is despite XXXX XXXX attempting to document otherwise which I subsequently was able to show XXXX XXXX why Mr. XXXX was incorrect ) ; when I attempted to contact the company for a refund, my reach outs were ignored ( by XXXX XXXX ) and not responded to until I opened up a dispute with my credit card company and escalated my concern to senior management ( XXXX XXXX ) at which time, after much frustration and time spent, I was able to recover the improperly charged " pre-payment '' amount of the appraisal fee 3 ) While I had hoped to close this loan with Amerisave, I ultimately requested that the company withdraw my loan application and yet AmeriSave stated to me that it had instead unilaterally chosen to deny my loan application but without any explanation as to the exact reasons why -- and I also never received a written adverse action letter or other similar correspondence from Amerisave regarding their decisioning on my loan application. Meanwhile, I inexplicably continued to receive " Urgent Request '' emails from Mr. XXXX and AmeriSave requesting that I provide information on my loan application which others at AmerSave at the same time were trying to persuade me that AmeriSave, without my knowledge, had previously been denied without me ever speaking to Mr. XXXX or anyone else at AmeriSave to try to correct their underwriting errors. 

4 ) I discussed these concerns above as well as an extensive list of additional disappointments and poor customer experiences, ranging from numerous failures by Mr. XXXX to contact me to resolve the erroneous underwriting decision on my loan application from XX/XX/XXXX to XX/XX/XXXX ( I subsequently went to two other lenders who approved me on the same property and loan application using XXXX XXXX XXXX and explained that the AmeriSave underwriters failed to calculate certain sources of my income properly ) to Mr. XXXX remarkably failing to ever follow-up with me on my request for compensation in resolution of my issues and poor customer experience with AmeriSave after we spoke for nearly 90 minutes on XX/XX/XXXX.
Product: Debt collection

On XXXX XXXX, 2016, XXXX XXXX of Brookwood Loans phoned me at XXXX XXXX regarding payment on a loan. My XXXX is XXXX and I can provide phone records. This is in violation of the Fair Debt Collection Practices Act, and because I am a resident of California, it is a violation of the Rosenthal Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a XXXX Credit Card in XXXX of XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX of XXXX to XX/XX/XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX of XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX of XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a 4-year payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had to take XXXX XXXX XXXX from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE  XXXX XXXX REPRESENTATIVES WHO LACK EVEN ONE XXXX BRAIN CELL  AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX  IMMEDIATELY!!! ALSO, THEY ALSO KNEW THAT I WAS EVICTED AND I DO NOT LIVE THERE!!!! Document passwords : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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: Debt collection

Recovery Portfolio calls me and my husband multiple times a day. I told them to only contact me by mail and they have yet to do so. They ask for my information but refuses to give me any information unless I identify myself. They give personal debt information to my husband. They call after XXXX
Product: Credit reporting or other personal consumer reports

I went to check out my Transunion credit report on XXXX credit wise in states that my student loans is in a Derogatory state which is a delinquent status which is not true. Currently, I am enrolled in school at XXXX XXXX XXXX XXXX and I am in a forbearance due to XXXX XXXX XXXX  student loans is payment freeze. It should state a 100 % on time payment.
Product: Debt collection

Wrote letter on XXXX to SYNDICATED OFFICE SYSTEMS that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of XXXX XXXX XXXX ( A ) ( XXXX ). This law requires all creditors and XXXX to notify me by mail before placing negative items on my credit report. Advised SYNDICATED OFFICE SYSTEMS to removed incorrect information off my credit report. More importantly, SYNDICATED OFFICE SYSTEMS are in violation of XXXX XXXX XXXX ( A ) ( XXXX ). Never received any correspondence from SYNDICATED OFFICE SYSTEMS.