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

I recently came across an advertisement for the portable XXXX XXXXXXXX XXXX on XXXX.The total cost was {$89.00}. Two XXXX XXXXXXXX XXXX for {$170.00}, and three XXXX XXXXXXXX XXXX plus two free for {$260.00} were the options. I've decided to buy just one ( I am retired from XXXX, not a website merchant there was no reason to purchase more. ) The purchase has been made, I have paid through XXXX The PayPal hooked up to my bank account, so I thought the transaction should be nice and smooth. Two days later I have been surprised when I see that my bank has been charged by some overseas company for {$260.00}. As I have learned the company is located in some black hole called XXXX, XXXX. Several of my emails to cancel the order has been ignored, as the requests to Paypal informing them of the unauthorized transaction were also refused. Recently I have received the package without a return address loaded by XXXX XXXXXXXX XXXX ( five items ). Well, I've tried one, the gadget has not functioned. I even did not unpack the others. First of all, I did not order five items ( it was an unauthorized transaction of {$170.00} ). {$170.00} has been snatched off my bank account without my authorization and I would like to have it back to my bank. The second electronic gadget does not function. All five XXXX  XXXX XXXX I will send back to any place in the USA ( I do not want to send them to XXXX or XXXX ). Paypal does not recognize my request as an unauthorized transaction, even though {$170.00} was beasty snatched from my bank account. I would like to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.
Product: Credit card or prepaid card

I requested a credit balance from Synchrony Bank/Vemno in of XXXX of XXXX. I was told a check would be issued via USPS mail within 15 business days. I requested to have the check sent either by XXXX  or XXXX  and was told USPS was the only option. After not receiving the check within the 15 business day, I informed Synchrony Bank/Vemno that XXXX didn't receive the check and requested the check be reissued. Instead of re-issuing the check, I received a letter with a copy of the check that was cashed. I immediately called Synchrony Bank/Vemno and made them aware it was not my signature on the back of the check and has no knowledge of the check cashing place where the check had been cashed. I was told an investigation would be done and I would received an update to their finding would be provided within 15 business days. I called back on XX/XX/XXXX and was told a new update would be provided on XX/XX/XXXX. I called back on XX/XX/XXXX and was told a new update would be provided on XX/XX/XXXX. When I refused to accept the new status date and requested to speak with a supervisor, the story changed. I was told Synchrony Bank/Vemno already issued a check that was cash and it was up to me to figure out how to get my money back. I would need to find the person and/or visit the check cashing place to get my money back. " If we issued another check, we would be out of {$1600.00}, and that's not on us. The check was mailed and cashed. It's not up to up to figure out who chased the check fraudulently. '' I requested to speak with another supervisor, and XXXX reiterated what I had been told. " It is up to you to figure out what happened to the {$800.00} check we issued to you '' When I requested to have this language sent to me in writing, I was told it could not be done. 

I'm uploading a copy of the check, police report filed, and a copy of my driver 's license with signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with XXXX XXXX XXXX  since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new XXXX Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX   XXXX  credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied  XXXX   XXXX  with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX   XXXX  has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore,  four  months later this debt should be considered invalid and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Mortgage

When originally the loan was bought from XXXX XXXX I was having difficulty calling in about my account. The automated service made it impossible to get through. I finally snuck in a XXXX before the automation started. The gal I talked to said they would connect my phone number so the automation would go through. Then apparently, since I was previous with this company they've connected the XXXX loans and it had a different email. I couldn't get online anymore and I called in on the XXXX and she said she would contact IT and escalate it to get it fixed. I got a call from her yesterday, the XXXX and she said she would call on Tuesday the XXXX. The only time I can talk with them is Tuesday through Thursday. This problem has been ongoing for almost XXXX weeks. They act like it's not a big deal. Also my information on the other loan was compromised. I want to pay more on my principal and can only pay during a certain the of the month. I created a new account and just got on this evening but I can't pay on my principal for XXXX hours after they take out my payment which they did today. I also got into my previous account and changed my email so it matches with this new one. I decided to try it again and it wouldn't allow me to use my new email only the one on my previous account. I'm very concerned because my information was previously compromised. This company shouldn't be allowed to be servicing anyone 's loan.
Product: Checking or savings account

TD BANK USA CLOSED MY ACCOUNT AFTER A FRAUD CLAIM AND REFUSED TO MAIL MY CHECK FOR THE FUNDS IN MY ACCOUNT
Product: Checking or savings account

Beyond devastated today Ive just received my eviction notice all due to Bank of America holding my money for there mistakes I have verified my identity there was unauthorized transactions Ive not gotten temporary credit Ive got a letter explaining that they would credit me as this goes under investigation I called to speak to a supervisor the supervisor has no knowledge of a letter so I faxed it over to her dated that Im supposed to be havjng temporary credit and I havent she then says my claim wasnt opened then she says shes gjnna file it then she says oh it is open and then I ask about if theres a reason why my card is blue she then had no knowledge as I was trying to make sure Im using the right card this is ridiculous I have police reports I have pictures of my place being badslkzed and door broken down and confirmation of a shaker from being charged for using my card from the police department and the detective Information and still isnt enough at this point idk what itll take its been about 4 months now me trying and trying to get my money from my account today I received eviction papers due to not paying rent because of all the confusion Bank of America has been giving me the calls are recorded pls listen to the recordings so you guys can see all the false informtation yoi guys have gave me and after verifying my identity still say that XXXX is a female on my file its been noted on a complaint on why they keep saying that and then they say Im expecting a deposit when the date comes nothinf tbere I recorded a letter saying its been credited and I received my statement on to where it says I would be credited temporary within 10 bussiness days and its been more than a month I then called Bank of America and she said that sometimes systems make mistakes as I explained these are people that leave money on yoi guys accounts theres no room for mistakes. People are supposed to trust there money bussiness in that way is beyond me this needs to be resolved immediately Ive have all the evidence and prove even worst is I was in Arizona when someone stoled my money that came from California, Ive now gotten in Que with XXXX XXXX news and Ive emailed them so my story gets heard and I know theres a lot more people in my situation so that something gets done .Ive included police report pictures of my place broken into where my infromtwtion was stolen Ive included the letter that I would be temporary credited and nothing I have gotten nothing idk what else needs to be done .hoping that this gets resolved before a media coverage where I can get more people involved that r in my situation all I want is what belongs to me and a bank that is trustworthy
Product: Debt collection

I had a credit card with Capital one and I paid it off and requested for the negative tradeline be removed from my credit reports since XXXX of 2014 since I have been working with XXXX Law firm and Capital one refuse to comply with my challenges to provide documentation, however Capital One indicated that they have complied and responded to my dispute letter by sending a response to a address I have not live at in years which was XXXX XXXX XXXX, XXXX, Ga XXXX. I never received any reply back from my disputes. I do n't think they even sent a reply.
Product: Debt collection

I was sent summons information about someone else from a collection company. They filed incorrect information regarding someone else 's debt in my case and Certified that I had been served while providing Name and Address of entirely different person. They additionally sent critical court date and appearance information to an old address, despite that all other correspondence addressed to current address. They are suing me even though I am paying on a debt that I have disputed.
Product: Credit reporting or other personal consumer reports

I get credit enquiries that I do not know of or agreed on
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an erroneous debt on my credit file. I recently looked at my credit file and noticed this debt reporting. I immediately called and settled this debt. I was never aware that I had this debt with Capital One as I never received phone calls, mail or correspondence from them. I ask that Capital One removes this account for violation my 30 day right to dispute.
Product: Checking or savings account

On the XXXX of XX/XX/2021 I tried to get into my account and it logged me out so I tried to log back in and when I did it said that member services had suspended my account before suspicious activity so I called them and they want copies of driver 's license and a piece of mail with my name and address on it so I take them and I send them to them then I don't hear anything out of them for quite a while so I call and it just keep giving me the runaround and I can't get access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from XXXX, XXXX and Experian. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my XXXX score is XXXX and my XXXX credit score is XXXX. My Experian is XXXX and that is because Experian limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors
Product: Credit reporting or other personal consumer reports

Last month my credit score was XXXX. Until Equifax stepped in and lowered it to XXXX or XXXX. Equifax has no right to lower credit scores just because they are trying to please their customers the banks. Equifax pretends it has something to do with facts hence the XXXX XXXX meaning EQUAL and FAX meaning facts. There is not a single thing on my credit report that is a delinquency or a debt. By what measure does Equifax arbitrarily decide that my accounts are " too recent? Equifax kept me in the wilderness for a decade publishing not delinquencies but DISPUTES. Equifaxs customers are businesses who have the upper hand when reporting alleged debts and the consumer can just fume all they want. Equifax ruins lives. They have certainly ruined mine. I was just about to rent an apartment and now I have to deal with a poor rating on of XXXX on my Equifax credit report. Having shut me out of credit products for a decade which was followed by Equifaxs claim that there was no credit history. Whos fault was that? The Equifax XXXX. When you have no credit history, you still cant get credit cards or loans. In XXXX I started banking with XXXX which Equifax must hate because it helps consumers become creditworthy. Equifax has lowered my credit score to please the banks. Thats the truth and nothing but the truth. I demand that my credit score be raised to XXXX or above immediately and that Equifax send me a new credit report reflecting a score of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my trans union report no way to dispute on their website. 
From XXXX XXXX see attached
Product: Credit reporting or other personal consumer reports

Credit application denied ... .no follow up, etc Scams, unethical, retaliation, blacklisted blocked persecuted ilegally restricted victimized forgery Application about 3 weeks ago Identity theft, defamated
Product: Debt collection

Commonwealth Finance is a scam. I have been fixing my credit for a year now. I got a XXXX XXXX card and just recently this year this random company hit my credit for an old medical bill from back in 2014. Nothing has ever been reported and I have never been notified of this debt. I was never notified that I had a debt. In fact the one time I went there I got my medical bills covered by a grant and by XXXX XXXX for using me to test trial a new medical gauze. Until now I had never heard of this debt. I disputed it and XXXX XXXX took it off. Then suddenly I get 2 accounts from the same company " Commonwealth Finance '' 3 times the original amount. I have read about this company and everyone is having similar issues. This company does fraudulent business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX and Experian by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card inXX/XX/2010. At one point it was reporting with all three company 's. For some reason XX/XX/XXXX deleted it and so did Experian. XXXX  is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to XXXX two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CYBER ATTACK
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed unauthorized transactions on my personal credit. I am writing to formally dispute the accuracy of information contained in my credit report as provided under 15 U.S.C. 1681 ( a ) ( 2 ). I have identified 14 Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of which is being reported without a permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ) .Specifically, under 15 U.S.C . 1681b ( a ) ( 2 ), consumer reporting for certain legitimate purposes. I request that you conduct an investigation into this matter and remove the disputed information from my credit report if it is found to be reported in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied and were approved for COVID forbearance. XXXX XXXX  has acknowledged this. XXXX has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. XXXX continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. XXXX XXXX  failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau . To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

Thank you
Product: Credit reporting or other personal consumer reports

This account is reporting negative and inaccurate information on my credit report. This account is closed and was agreed to be removed from credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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