23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a new complaint following the first complaint ( # XXXX ), They did not provide the fact that I had many calls between them and myself while I was hospitalized fromXX/XX/XXXX- XX/XX/XXXX due to a major car accident, or that I had made " good faith payment '' on XX/XX/XXXX on both accounts which would stop the the collections calls, but how can collections called be stopped but a cancellation continue for late payment? The small micro amounts are the payments AE asked me to make to avoid further calls or actions- Also the enclosure submitted to you as a response to CFPB seems to contradict their statements in the letter addressed to myself, which I still have not recieved as of this date. 
None of the numbers, that were indicated in the Company 's response match up with the document provided in the response, - balances are not matching up and not documentations for the various payments and why requested by AE, its seems like like it was recently manufactured, since I have yet to received the response that was given to CFPB, even my company name is misspelled ( XXXX XXXX XXXX ) when it should be XXXX XXXX XXXX, I just feel looking at the documentation submitted by AE need to reviewed by an Independent Audit ; I also feel I was penalized for reporting this complaint and that this is not the first questionable practice by AE- they previous was order to provide restitution to it customers ( I believe it was in XXXX, which they were sued and lost about 80 millions ). I also feel they should not combine my Personal Green card with my Business Card availability since my Personal is under my SSN, and my Business is under my TIN which is also a LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) .I never authorize a " personal guarantee '' was informed that I was personally responsible for my LLC finances, nor is it any listed that I am in my CMA or terms and agreement. I believe this is another questionable tactic which enables AE to make someone " personally responsible '' with in the Company which circumvents the XXXX XXXX Laws. They also indicated that they adjusted my spending due to my FICO score in XX/XX/XXXX, when it was its highest at XXXX or XXXX I believe- so again it does not make sense what they submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of XXXX COMPLAINT # XXXX and TRANSUNION COMPLAINT XXXX XXXX regarding BLOCKING OF IDENTITY THEFT ACCTS. On XX/XX/XXXX XXXX SENT ME THE FOLLOWING MESSAGE : ... '' However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years ''. I HAVE ATTEMPTED TO UPLOAD THE ABOVE REFERENCED ITEMS MANY TIMES ONLY TO BE REJECTED BY THEIR SYSTEM. I SENT ALL OF THE ITEMS VIA MAIL- THEY HAVE NOT BEEN ACKNOWLEDGED AS RECEIVED. ATTACHED ARE ALL OF THE REQUESTED DOCS FOR BLOCKING OF IDENTITY THEFT ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally.
Product: Credit card or prepaid card

Someone hacked into my edd debit card to transfer the below funds out to a XXXX XXXX  checking account. 
BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer Return {$5000.00}
Product: Debt collection

On XX/XX/2019 sent letter requesting validation of debt, ( letter attached ) They responded back on XX/XX/19 with a copy of a XXXX phone bill with a PO box as an address, I have never had an count with XXXX or use of that PO bOx listed.
Product: Debt collection

After a detailed examination of my recent credit report, I identified several accounts that appear to be inaccurate and were included without my awareness.
Product: Credit card

On or about XX/XX/year> I purchased a kitchen stove, online, from Home Depot. It was delivered to my home. That evening I discovered that the oven did not work. I contacted the next morning the Home Depot customer service number and explained the issue. I informed them that I wanted a replacement stove. I was calling less than 24 hours after the stove was delivered and Home Depot has a 48 hour return policy for defects or damage. I was told someone would return my call. I waited until the next day, no return call. I called again I was told they would send a repair person to my home to examine the stove and repair it. An appointment was made for the repair person to visit my home, no one showed up. I again contacted Home Depot and advised then that I have a non working stove and I want a new working stove delivered to my home and this non working stove removed from my home. The non working stove was never removed from my home, a new working stove was never delivered. Home Depot has refused to honor their warranty/return policy. My Son removed the non working stove and stored it in my garage waiting for Home Depot to pick it up. My Son purchased a new stove for me. I am a XXXX XXXX XXXX on a limited income. Home depot never came to pick up the stove after several months of waiting my Son donated the stove to XXXX XXXX. I filed complaint with Home Depot Credit Services, dispute was denied twice without reason, simply generic denial letters, see attached correspondence. I am now stuck paying for a defective stove that is no longer in my home, all because Home Depot refused to honor their own return policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX XXXX and that in incorrect.
Product: Mortgage

I send in my payments way ahead of their due date. The last payment was sent on XX/XX/XXXX for XXXX 's payment due XX/XX/XXXX. The check has still not posted. The mortgage company prefers to have automatic payments and have told me so. So they sit on the check as long as possible to try to get me to do automatic payments instead. They're always blaming the post office. But other payments to other companies sent on the same day only take a two to three days to post. The issues cause me panic and anxiety and are not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXXXXXX XXXX ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXX on XXXX XXXX, the lease was done through XXXX XXXX. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Debt collection

In accordance with the fair credit reporting Act ( Enhanced Recovery Co L Acct # XXXX ) & ( XXXX XXXX  XXXX Acct # XXXX ) & ( XXXX XXXX XXXX Acct # XXXX ) & ( XXXX. XXXX, XXXX Acct # XXXX ) has violated my constitutional 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 account without my written instructions.
Product: Debt collection

BULLCITY FINANCIAL SOLUTIONS HAVE LISTED ( 4 ) FALSE COLLECTION RECORDS ON ALL OF MY PERSONAL MEDICAL RECORDS VIOLATING HIPPA REGULATIONS. ACCOUNT NUMBERS XXXX, XXXX, XXXX, XXXX ARE ALL LISTED UNDER MY XXXX, XXXX AND XXXX CONSUMER REPORTS AS COLLECTIONS.
Product: Checking or savings account

On XX/XX/XXXX my husband XXXX XXXX left his XXXX  XXXX job early to go to Bank of America to cash his payroll check. When he arrived at XXXX the security guard was very excited to advise my husband that they just today, changed their hours- closing at XXXX. Later that night I told my husband to just do the mobile deposit as there couldnt possibly be any issues. It is a BANK OF AMERICAXXXX XXXX payroll check. Its literally a b of a check. He did. This morning when checking our bank account my husband found that the check has been placed on a hold until XX/XX/XXXX. We needed that money to get gas so he could get to work this morning. We have rent to pay. We have power to pay. 

He then called customer service at Bank of America this morning XX/XX/XXXX, of which I have all on video where he was on the phone for more than an hour and a half talking to three different managers who all told him that there is a problem with this XXXX  check. As if the check was not good. The final manager that he talk to said that theres nothing that she could do she does not have anybody that is above her and that we needed to take the check into a branch and cash it. Later that day my husband took more time off work and we went to Bank of America as directed by Bank of America. The teller advised him that there is no way under any condition that she will cash this check. 

This evening my husband is on the line again with customer service and as hes on the phone with them I get two emails stating that they have placed a hold on our account and that his check will not clear until at least XX/XX/XXXX now as because check specific information indicates item may be returned.

I missed appointments today my car insurance went through and bounced it did not go through on my hairdresser I now owe {$300.00} to him to not get my hair done because I could not pay him and we still do not have his hard earned money.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. 
I believe that Equifax Information Services LLC has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act Equifax Information Services LLC has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties.

15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a_ consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting or other personal consumer reports

Initially spoke on the phone with Sallie Mae and they agreed to a deferment, only for them to report the loan as delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance XXXX {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.
Product: Debt collection

First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending you several letters letting you know that I did not open that account! I dont have an email of XXXX. Furthermore, someone opened that account with my information. My information was stolen and reported that to the creditors so that no-one could open any account with my information. Additionally, I never received letters of Capital One to the mailing address you are reporting!! I urge to delete the account from my credit report immediately.
Product: Checking or savings account

In XXXX of this year, I believe it was XX/XX/XXXX, my bank and PayPal accounts were hacked leaving me with {$0.00}. XXXX XXXXXXXX XXXX, where I have been a customer for over 40 years, replaced the money in a timely fashion. PayPal returned only half because " the transaction appeared legitimate. '' Since someone purporting to be from PayPal initiated contact with me and other reasons, I believe that the XXXX fraudsters actually work for PayPal. 

I tried to pay for groceries this week with funds from PayPal and was told by the grocery delivery company I use that PayPal denied payment. 

Today I received an email from " PayPal '' informing me that my payment to " XXXX '' for {$540.00} was successful. I will not go to the PayPal site nor call them because that's how it started initially. 

There's more, but that's the gist of it. Please, please, please help me.
Product: Vehicle loan or lease

Lendmark fininical has report late charged on my credit report without my consent also violated my privacy by doing this
Product: Mortgage

We did not receive notice that the home was going into foreclosure nor did we get time to respond to the court documents they did not make a fair attempt to make contact
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a debt verification letter to XXXX and TransUnion asking them to please send me proof of how did they verify this debt that was put on my credit profile from from XXXX XXXX. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to XXXX XXXX XXXX asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.
Product: Debt collection

I sent Source Receivables Management a validation letter to provide proof that I owned the alleged debt they are claiming I owe! Also proof that they own the debt and their license in my state of Illinois to collect. They just sent a bunch of Statements that doesnt prove that I own this Alleged debt. They also put it on my credit report before sending me a letter to dispute.
Product: Credit card or prepaid card

Citigroup has violated federal law by not providing 5 years of statements ( eletronic or physically ) related to my account
Product: Checking or savings account

In late XXXX, a vendor ( XXXX XXXX XXXX ) returned a bill pay check to me without having deposited it ( I had accidentally paid them twice ; once with credit card so they returned the check ). I called Capital One on XX/XX/XXXX to ask how to get the funds re-deposited into my checking account. The call got dropped a few times and, in the interim, I sent XXXX messages to the bank ( see attached ) and was told to mail the check to the bank. I did that the same day. Ultimately, a phone representative told me the check would be cancelled and re-deposited. 

When the funds were not re-deposited in a few weeks, I called back a few times during the month of XXXX and was told I need to keep waiting for the re-deposit to be completed. I called several more times and each time I was promised a call back in a few days ; I never once got a call back. 

Finally today ( XX/XX/XXXX ) I was told that on XX/XX/XXXX the check was cleared by XXXX XXXX. I don't see how that's possible given ( 1 ) I was told on XX/XX/XXXX the check would be cancelled ( see attached ) and ( 2 ) I mailed the un-deposited check back to Capital One at the address provided on the same day ( see attached ). I also wasn't told about the check clearing on XX/XX/XXXX on all of the other calls between mid-XXXX  and today. The phone rep wouldn't even listen to my explanation above and basically said I was a liar. I have better things to do than defraud Capital One over {$140.00}. Indeed, I think I will use that time to look for a new bank that trusts and listens to its customers.