23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I discovered that the fund were taking out of my account {$500.00} and {$500.00}, I called back of America and claim for fraud, bank of america close my debit card and send me a new one, today I received a message via website said, they were unable to pay because the charge was authorized, I never authorized those charge
Product: Credit card or prepaid card

There were two fraudulent charges on my card. Citi refunded the two charges but reversed one charge later on. Essentially, I was charged three times and refunded twice.

In their decision, they provided proof that the charge was fraudulent. The purchased item was mailed to a state I have never went to and it was addressed to someone I do not know. I filed a police report and provided that information to Citi. 

It has been XXXX months and I have not been able to get a resolution. Whenever I call, I need to navigate the menu in a very specific way in order to talk to someone. On my most recent call, the initial answering employees started passing me around and pretending to be supervisors. I ended up catching them on this when they misspoke and admitted they weren't really a supervisor. 

I am currently waiting two additional weeks to hear back. I eventually got to a supervisor and they did seem legitimate. However, I can not confirm if the issue will actually be resolved this time. The police officer involved said they would be willing to speak to the company as well as the case is so black and white. 

I am very frustrated as I am getting the runaround and need the money back. I am hopeful for a resolution but I also have been strung along for XXXX plus months when this should be routine. 

Thank you for any assistance you can provide. I have provided all relevant documentation to the credit card company and they confirmed they have it in their records. I have not uploaded any documentation here as I don't want anything public. 

The card number I am providing on the next page is my current card and not the one that was used for the charge. I think this is what you will need to find me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

this cebt is expired and should be off my account the original owner settled n portfolio is still on my credit report
Product: Debt collection

Received a call from Integrated Services at XXXX. I can not recall the mans name but, I was told I owe this debt for a payday loan back in 2014. I said okay, send me proof the debt is valid and I will work on paying it. he said why do I need paperwork? and proceeded to call me a XXXX and then hung up. I have also received calls from them at my work number as well. Please stop these scammers!
Product: Money transfer, virtual currency, or money service

A money transfer in the amount of {$1000.00} was processed on  XXXX  to my landlord who has a   XXXX   XXXX    XXXX  account this transfer was with a company called  XXXX . On  XXXX  the payment of {$1000.00} was taken out of my account. On  XXXX  another {$1000.00} payment was taken. None of which ever made it to my landlords account. On  XXXX  I was called at  XXXX  by  XXXX   . T o inform me that  XXXX   XXXX   XXXX  would be returning the money on Wednesday  XXXX . On  XXXX  I received an email from  XXXX  stating that my payment had failed and the money would not be returned to me because there were no funds taken. Which is clearly not the case. I called numerous times throughout this process. All almost to no avail. I was told in the very beginning that they could not help me. I have spoken to supervisors and still am in a run around. I called on  XXXX  and was told basically they had no idea what was going on. And today which is now  XXXX . Still with no resolution. Or even a glimmer of resolution. With an overdrawn account and bills that need to be paid. I am running out of time and patience.
Product: Debt collection

I have an account in collections from XXXX that is being handled by Pinnacle Credit Services. The balance has ballooned from just over {$50000.00} to {$110000.00}, more than double.
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I bought a washer/dryer set from XXXX XXXX XXXX in XXXX, Texas. Originally I was going to pay cash, but the store individual asked me to " apply for credit '' through their stores finance company ( American First Finance ). She handed me her lap top and instructed me to complete the application on line. I was approved for XXXX, the set that I selected off the showroom floor was a Grey Whirlpool front loader for XXXX. I had to put a deposit down and when I requested copies of the contract, receipt and paperwork... the printer was down. I was told that the fiance company would e-mail me a copy of the paperwork... ..Part of this purchase was a free delivery of the set and the removal of my old set to be used as a trade in ... .Upon delivery, the installer notified me that both units had problems... so I contacted the seller, XXXX, she scheduled to have another set delivered. Same thing, the washer tub fell out, the dryer would not work correctly... Once again, through text, telephone messages, I talked with XXXX. They was to send out " their repair technician ''. They never showed. I requested a replacement set. The third set was a top loader washing machine, standard dryer and no pedestals. This was not what I purchased. This happened two more times. The 4th set was a XXXX front loader set. Upon delivery, the installer noticed problems. XXXX scheduled to have " a repairman '' to come and fix it. 
It was not fixed. I contacted the Finance company and issued a complaint. In addition, I filed a complaint with the XXXX XXXX. At the same time, the finance company contacted me by e-mail to " pay off my note '' to avoid interest and finance charges. I talked with their offices multiple times and no resolution. I paid my note off. I finally received a copy of the contract and a payment history. It all pertained to the original washer and dryer that I purchased. Basically I paid for something that I did not have. 
To date, the company has not repaired either my washer or dryer. In XXXX, I received a letter from American First Finance informing me that they was going to resume deducting payments from my account due to it not being paid off. I immediately filed a complaint with the company, I even showed them and gave them the transactions information from the bank showing where they deducted it from my account. 
To date neither company has resolved my complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX The first transaction was a amount of {$66.00}. This happened at a XXXX, located at XXXX CA, US The second transaction happened again later at night on XX/XX/XXXX XXXX XXXX but this time an amount of {$100.00} then again for the same amount of {$100.00} at XXXX XXXX 
I also filed a police report and also a complaint to bank, for an open investigation. I currently still have my card that they used but I canceled it and requested another card for my safety. And I also changed my PIN number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
1

5 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 ) X1 ) 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

XXXX has falsely reported two on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required XXXX trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.
Product: Mortgage

Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am making a dispute against Wakefield and associates in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Product: Vehicle loan or lease

Loss my job and I was paying what I could and was try to keep up. Talk with a rep on several occasions and they always say that they can help me with refinancing the vehicle to help me catch up and never said anything about repossession of the vehicle. I lost my job and that's why I got behind now they pick the vehicle up now I can't get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To whom It may concern : I received a copy of my credit report with the fact of trying to improve my credit score and take care of it. I noticed a multiple mistakes with the accounts and late payments on that. I just realized that the information across all three Credit Bureaus are wrong ( Transunion, XXXX, XXXX ). They are not accurate with my personal information. I also read something about the Fair Credit Reporting Act where it said by law, I had to right to challenge anything I am not sure is accurate. 

I am familiar with 15 U.S. Code 1679 " I have a right to dispute inaccurate information in your credit report ''. Since all three bureaus giving me incorrect information, I want these accounts to updated as POSITIVE. Please investigate the following accounts and update them as POSITIVE. 

Please verify the following accounts and changed them as POSITIVE 1 ) XXXX XXXXXXXX Account number : XXXX - Please update as POSITIVE 2 ) XXXX XXXX XXXX XXXX Account number : XXXX - Please update as POSITIVE 3 ) XXXX ( closed ) Account number : XXXX - Please Update as Positive I will also provide proofs and screenshots of my credit reports from all three bureaus ( Transunion, XXXX and XXXX ) and you can clearly see that information across three bureaus doesn't match.
Product: Credit reporting or other personal consumer reports

last month i contacted the bureaus to let them know that this account was fraudulent, but they didnt care. they didnt help
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX NOTICE TO CEASE AND DESIST ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. TransUnion and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to NFCU on XX/XX/2021 and i have on numerous occasions submitted complaints with CFPB about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. NAVY FEDERAL CREDIT UNION has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person NAVY FEDERAL CREDIT UNION thereby making the reporting of this accounts payment transactional history inaccurate. 

Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) NAVY FEDERAL CREDIT UNION has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;