23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00} This is my follow-up to my previous complaint.
Product: Credit reporting or other personal consumer reports

I want to request an reversal/reinsert my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX that Bank of America had received information from my credit report on XX/XX/2023. I did not authorize this and have not applied for any credit or loans recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} MXXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am conducting this complaint on the SELF credit card. I have tried several times for months to pay my card off, however, the payment always states failed and the transaction never goes though. I have tried to call the customer service number over a course of months and even waited on the phone for 2 hours on hold. Even then I could still could not get into contact with anyone. Finally when I contacted them though email, I received a response. Unfortunately, it did not even help me find a solution. In that instance I asked for a supervisor and the associate stopped contacting me. This card is starting to affect my credit score in a very negative manner and I just want the issue to be solved correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by XXXX Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

Discover is stating the wrong current balance for my credit card. Please see attached screen shot. That math does not add up and discover owes me {$74.00} for the difference. Thanks.
Product: Debt collection

They have discussed my debt with another person. 
They have called in-laws. 
They have called my phone numerous times even after leaving messages. 
They call my phone after XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address a significant discrepancy in the credit reporting about my account, specifically XXXX in the first screenshot. This matter has arisen about a reported 60-day late payment on the aforementioned account, a claim that I maintain is not reflective of the accurate and timely payment history associated with this account. 

I have diligently followed the established protocol for addressing such discrepancies by submitting all requisite documentation, which unequivocally demonstrates the timely nature of my payments. It is crucial to emphasize that the reported late payment was a result of internal processing challenges encountered by XXXX, the creditor associated with the account, rather than any failure on my part to fulfill my financial obligations. 

Upon a thorough review of my dispute, Experian has responded with a resolution that, regrettably, falls short of rectifying the issue at hand. Instead of acknowledging the accuracy of my payment history, Experian has unilaterally opted to modify the reported late payment to 30 days, thereby failing to fully address the veracity of the situation. 

This resolution is demonstrably inaccurate, as XXXX successfully rectified its internal processing issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late payment flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late payment resolution lacks merit and fails to accurately represent the timeline of events. 

In light of the foregoing, I formally request that Experian conducts a comprehensive and impartial review of the evidence provided, rectifying the reporting on my credit account to accurately reflect the fact that I was not late in making payments. Furthermore, I request the removal of any derogatory information associated with the purported 30-day late payment resolution. 

I have sought counter evidence from Experian and its affiliated entities to substantiate the resolution they have chosen, but regrettably, such evidence has not been forthcoming. As a consumer, I place great reliance on the integrity of credit reporting agencies in accurately representing consumer information, and I expect that due diligence will be exercised in reviewing and resolving disputes of this nature. 

Enclosed with this correspondence are comprehensive screenshots and documentation from XX/XX/2023, providing irrefutable evidence of my adherence to the agreed-upon payment schedule. These records must be meticulously examined, and if no contrary evidence can be produced, I insist that the payments be updated to " paid as agreed '' and reflected by the accurate and timely payment history that characterizes my financial profile. 

I anticipate your prompt attention to this matter and the expeditious resolution of this dispute by the applicable laws and regulations governing credit reporting. Failure to do so will necessitate further legal action to protect my rights as a consumer. 

Thank you for your attention to this serious matter.
Product: Checking or savings account

On XX/XX/XXXX I recieved my statement from Venmo and found several errors and I dont usually use my physical debit card so I had no idea it was gone. I contacted each merchant and asked for the transaction details and they all said I had to go through my bank for the information and they couldnt process a refund. I started the dispute claim process with Venmo and sent the supporting documentation and within 8 hours the claims were all denied. Theres no way they did a proper investigation or procedure on this. It took me that long to simply call the merchants and ask one question. Let alone get supporting documentation. I reached out to Venmo again and asked for appeal of the dispute and or documentation from its investigation and I have been ignored and flat not gotten an answer.
Product: Debt collection

I received a letter dated XX/XX/2020 from a Synergetic Communication , Inc. that says they are trying to collect debt originally owed to XXXX but now owed to XXXX XXXX XXXX , XXXX. It is in the amount of {$250.00}. I do not owe any debt to XXXX, something I verified by calling XXXX and speaking to customer service representatives and a representative from the Recovery Department. My credit reports back this up. 

The letter states that unless I dispute the validity of the debt, the collector will assume the debt is valid. I don't think that is legal since I never owed the debt in the first place. 

The letter states that I can request in writing that the debt be disputed and that they will send me a copy of the judgment or verification. It also says I can request the name and address of the original creditor. I plan to do both.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the reported transactions of fraud and mischief going on with this app
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I mailed a letter to experian in regard to an inaccurate collection account, company is XXXX XXXX XXXX XXXXXXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXXXXXX XXXX. XXXX XXXX  are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Product: Debt collection

I have asked this company to provide me with proof that this debt belongs to me, and to provide me with my signature and signed contract between myself and Portfolio Recovery Associates that would make me legally responsible for such debt. I have yet to receive the information that I requested. They have no right to collect on this debt. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

I sent {$500.00} on western union. I paid the cash in person at a local western union retailer. Then I was told it was on hold for no reason whatsoever, so I said I want a refund. They said they will refund me after 1 business day. It has been a week and no feedback whatsoever on the refund. Each day that went by, I called 3 times a day. Each call, they always end up hanging the phone or either transferring my call to someone else who will also hang up on the phone. I tried my best to do what I can but they do no want to cooperate at all. I am suspecting this is how Western Union are scamming their customers. So they can end up stealing the unclaimed funds. For whatever reason, I need my money back and I am not going to stop until I get my money back even if it takes a life time. I will pledge my entire life exposing Western Union until I get the money they stole from me. This is daylight robbery and I will not allow it. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX TAKEN BY COMPANY CHARGE OFF/ COLLECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2023, The company XXXX XXXX XXXX combined my student loans together. Previously, there were 3 accounts that emerged into one account held by XXXX. By doing so the major credit bureaus : XXXX, Equifax and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my FICO score tremendously.
Product: Money transfer, virtual currency, or money service

I have been asking since XX/XX/year>, " WHICH LOCATION WAS MY MONEY STOLEN FROM? '' and WU has NOT answered my e-mails. I called customer service and they told me " XXXX XXXX XXXX '', which is NOT an exact location. Only after filing complaints with XXXX and CFPB did they finally use Artificial Intelligence to give me a BS answer telling me they can not give me this information. WHY DID SOMEBODY OVER THE PHONE WORKING CUSTOMER SERVICE GIVE ME AN ANSWER BUT APPARENTLY THE HIGHER-UPS CAN'T? 

There is no communication at this company. Extremely unprofessionally run. They have AI replying to e-mails because I ask very specific questions that authorities need to resolve this matter ( SINCE WU IS DOING NOTHING ABOUT IT ) but WU does NOT answer these questions. They have delayed the process of any investigation police would have to do. This bank is a disgrace to humanity for allowing their customers to get robbed, then covering up for the scammers, then using AI to answer e-mails. At least have some decency and have an actual person respond, ACTUALLY ANSWERING MY QUESTIONS.
Product: Mortgage

XXXXNotified by Mortgage Company that FEMA had rezoned my property to now require flood insurance XXXX by my Home Owners Association that they would provide Flood Insurance for the XXXX community . 
XXXX Twice had the XXXX  Insurance company fax the mortgage company proof of insurance. 
XX/XX/XXXX-Received a letter from the mortgage company indicating that the coverage was adequate. 
XXXXMortgage company sent me a letter indicating that the flood insurance did not cover my full loan balance and they needed proof of additional {$31000.00} in coverage. ( I did not open the letter because thinking I was compliant that it was just my mortgage monthly statement. 
XXXX 'm set up on auto pay and my mortgage company withdrew an additional {$230.00} to cover the {$30000.00} insurance policy difference. I was not informed that it would be withdrawn. I currently have regular home insurance and the flood insurance provided by the XXXX that the total per month for the XXXX is less than the monthly charge for the additional flood coverage they purchased. 
XX/XX/XXXX-Called mortgage company asking for something in writing that shows my exact coverage and next steps in removing the excessive additional charge ( letter never received ) XXXX Called issuing insurance company for the flood insurance purchased they informed me that the policy coverage of {$500000.00} per building ( XXXX ) was the maximum allowable by FEMA for an XXXX and that NO other lenders for those in my community covered by the policy were requesting additional coverage and that the policy was sufficient under FEMA guidelines. Called Mortgage company and asked for a supervisor. Was on hold for XXXX minutes and then heard the sup and the agent come on the line but apparently they couldn't hear me. The sup said she would call me back but no call. 
XX/XX/XXXX-Called again and asked for a sup and the agent said they would call me back in XXXX business days. No callback. 
XXXX Called mortgage company again and was again told that a sup would call me back in XXXX business days. No callback
Product: Checking or savings account

I opened the chase total checking account at XX/XX/2019 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I clicked the Open an account button and applied for the total checking account. It shows that the coupon code automatically applied. And I will get {$300.00} bonus if I make a direct deposit within 60 days. Thus, I made a direct deposit at XX/XX/2019, but I do not receive the bonus yet. I have contacted the Chase at XX/XX/2019, they tell me that I do not apply coupon code on my account. However, when I open the account, it shows that the coupon code automatically applied.
Product: Checking or savings account

On XX/XX/year>24 I was at work working I have time logs and my schedule/time sheet if needed for proof. While I was working and got a bank fraud alert text asking if it was me for a charge of {$290.00} XXXX I replied no. Got a text back saying a new debit card will be sent to me. I immediately called chase and asked what happened. I was informed that there was XXXX charges, XXXX at target, XXXX at XXXX, XXXX at XXXX XXXX. I informed the lady that was not me and she noted it and cancelled the charges. The XXXX and XXXX  disappeared from my bank account, the XXXX XXXX is the only one that stayed visible but also got returned for {$240.00}. Now around a month later XX/XX/XXXX the claim got taken out and claim redacted. They noted that during theyre investigation they found that I authorized the purchase which I DID NOT. I went to a chase bank branch with 2 forms of ID, spoke to the bank consultant I was there for 1.5 hours she was on hold most of the time and said I would hear something within 3 business days and never heard from them. I went back to that same bank and spoke to the branch manager and he spoke to claim team and escalated the claim to the escalation department so it can be viewed once more. They informed him that the merchant ( XXXX XXXX  ) authorized the sale due to the person having all the proper documentation. They used my beneficiarys information who I live with. She is not listed on the account, and does not have access to my card, does not have mobile banking, I had the card on me that day all day. I opened this bank checking account with me and my name only, only listed her as a beneficiary. Both manager and bank consultant said that couldnt have been possible, how they were able to make a purchase using her information on my account. She doesnt have access to the card/account. I personally asked the beneficiary and ABSOLUTELY did not she did not use it. I have the saved text, saved emails, all for the same date XX/XX/year>24 I have no reason to go to XXXX XXXX  I do not like that place I do not want go to that place. If my beneficiary did indeed make purchases from XXXX XXXX  why doesnt she have any purchase in any of her email accounts? I have told chase this and have explained to them and the people I was sitting at inside the chase branch also agreed that it is weird that Chase let that authorization slide when there. Were other multiple bank fraud charges that same day. I have only owned my new debit card for a month now. How are they authorizing this? They used my beneficiaries name and info to make a purchase and chase authorized it while I am an hour and a half away from XXXX where XXXX XXXX  is located. I have never had a problem with chase, I have no reason to steal. I have all the proof in my phone and email. Its XXXX dollars I am now without due to fraud when the bank is supposed to be on my side. They make financial decisions based on me banking with them I chose chase thinking they were secure and safe. I dont have anything to gain by doing this.