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

I had a transaction with an individual at the turn of the new year on XXXX XXXX. The person supposedly had a XXXX XXXX for sale. We agreed on {$1000.00} and I cover fees, so {$1000.00}. I sent payment via XXXX on XXXX XXXX via instant transfer. On XX/XX/XXXX it came to my attention that this individual had blocked me on XXXX. I called their phone number, I got an very disturbing response from them and then after that my calls were blocked. I reached out to local law enforcement which said they couldn't do anything, I reached out to XXXX AR. Law enforcement and they said they couldn't do anything. I reached out to XXXX, they said that it could take up to 30 business days before I could possibly, keyword, possibly get the money back. So I went the route of reaching out to my bank to have them reverse the ACH transaction. They claim they can not. I provided them the proof that the person had blocked me, I showed them on my phone that the person had blocked me on XXXX and on the phone calls. They still refused because their " Fraud department '' claims they can't. I requested corporate to look at it which got me no results. I can show you the evidence as well if someone needs on a video call or screenshare.
Product: Payday loan, title loan, or personal loan

They call me every single day and at least 3 different times in a day. Start in at about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED SEVERAL TIMES TO GET ASSISTANCE FROM THE COMPANY BUT NO ONE IS HELPING. I FILED AN ID THEFT REPORT WITH FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 13 and 14 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX, XXXX, XXXX  XXXX and XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Product: Debt collection

It says I owe {$1300.00} on a HP sears account? Ive never shopped there recently or I have never opened up an account with them!!!
Product: Debt collection

To Whom It XXXX Concern : Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XXXX ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting or other personal consumer reports

I have recently look at my credit report and noticed that I have an account on my credit report that I have no knowledge of nor have it been verified. I have attached a letter along with my proof of identity.
Product: Debt collection

I work in a call center during the hours that the collection agency is open. Because I deal with Personal Health Information, I am unable to have a cell phone or make outbound calls at work. 
My wife called to give the collection agency information about this account, she explained the situation. 
The collection agency refused to take the information and insisted that I be the one to call. 
My wife did not ask for any information- she explained that she was just giving information. They still refused. 
My wife did not raise her voice or say anything rude, she just explained that she would document the refusal. 
The collection agency hung up on her.
Product: Debt collection

This is a new management company that took over a former property I lived in, I was under no lease gave written notice placed the keys in there hands. Ensured upon moving with a meeting with the current regional manager everything was ok. Almost a year later I learned if an attempt to collect an outrageous pass due amount. I went to the property made attempts to speak with higher management I sent emails with one response saying they would look into it with no further response. I submitted all documentation to the current debt collector for proof of debit no one responded now I have a XXXX debit on my credit which has caused a major decrease in my credit score. No one answers or responds to my verification of debt.
Product: Debt collection

This agency still has my wife 's account listed on my credit file. Enough is enough XXXX states they verified through Chase this account belongs to me which is FALSE information and has hurt my credit rating. Please help me
Product: Money transfer, virtual currency, or money service

My Citibank XXXX account got hacked. I tried calling the fraud department, the hacker redirected the call and knew all my information. The hacker knew my bank card and pin. I did not authorize the transaction, the notifications I received were fake through text and email. I tried explaining it to the bank, and used a different phone to try and contact them because I was not sure if my phone was still hacked. I have still not received a decision from my bank institution. I went to a bank branch and opened a new Checking account and ordered a new card. I am worried they will not return my money, this has never happened to me since I been a member since XXXX. I also submitted a complaint with XXXX and requiring extra security for consumers. I am submitting this request due to XXXX XXXX set by the Federal Government. 
Date : XX/XX/XXXX Amount : {$2800.00}
Product: Debt collection

How is it possible that an account that was supposed to have been settled with XXXX XXXX XXXX almost three years ago is now appearing on my credit report in collection with a derogatory remark. I consolidated all of my outstanding debt almost three years ago, and have not had anything negative on my credit report since. 

XXXX XXXX XXXX settled my XXXX credit card account again, almost three years ago. I have not received anything regarding an outstanding balance or owed amount since it was settled. 
Recently I applied for lower rent apartment and was denied due to a derogatory remark on my credit report. I had no idea what this could have been. 

I looked up my credit history and it reads that a XXXX account was opened XX/XX/2020, and the owed amount is XXXX I never reopened this account, and did not charge this amount of money. 

Apparently another company Lvnv took over XXXX, and does not have record of my closed account from three years ago. Regardless, I never charged XXXX, never reopened this account, nor have never received any notification that I owed anything because as far as I knew this account was closed and settled. 

I called LVN ( XXXX ) to try to get this corrected, but there was no resolution and they are saying I owe {$4300.00} which is an amount I never charged. I didn't even have a credit limit for this amount from over three years ago. My credit report is reading that I opened this account XXXX XXXX and have not paid in 8 months - this is absolutely not true. 

I can not understand how I finally got out of debt and have been building up my credit for almost three years, then this appears on my credit report from Lvnv company. How is this legal. This company prevented me from moving into an affordable apartment with my son. This one company destroyed my credit - how can this be acceptable. I am a single mom who pays my bills and takes care of my son. What gives this company the right to be able to apply this to my credit report??? Even if by chance the debt consolidator did not settle this once account, shouldn't I have received a bill, notice from XXXX???? I never once received any notification so how is it possible this company is allowed to destroy my credit in a split second when I have spent three years building it up. With COVID and all the negative in this world, I actually had one positive - a potential affordable home, but because Lvnv added an account as opened XXXX XXXX stating has not been paid in 8 months I lost my opportunity. Again, I never opened this account XXXX XXXX, nor have I ever owed this amount of money. At this point I do not know if I need to take legal action for ruining my credit, illegal allegations, lost opportunity for a secure home, mental stress, now anxiety. This is really just terrible, and very upsetting. 

I am hoping you can help in getting this resolved. 

Thank you for your time Stay safe XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. 

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

They are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I received a letter on Keybank letterhead from Keybank Prepaid Card Services XXXX XXXX XXXX XXXX, CO XXXX. It referred to an account ending in XXXX in my name. 

I don't have a prepaid card, so I called to get clarification. The young lady said it wasn't a scam, but she was aware of other people calling in about something similar. She asked for my birthdate to validate and then the call dropped. I'm not sure if this was a scam, so reporting it just in case.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts with XXXX, Equifax and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXXXXXX XXXX and XXXX XXXX XXXX that sold the accounts to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

They did not properly investigate the matter of my case and dispute when against standard of hate discrimination and etc
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX is calling using an fake or spoofed caller id. They have called numerous times with fake caller id.
Product: Mortgage

Mortgage company is charging me for an unsubstantiated corporate advance for real estate taxes paid that were never paid by the mortgage company. I never even had an escrow with them. This is fraudulent. Requested copies of proof that they paid these amounts and to whom ( requested specifically cancelled checks ) - they ca n't prove they paid it and are unwilling to remove the corporate advance from the account. I can prove that I, and I alone, paid for all of my property taxes. Again, there has never been an escrow on my home which I have owned for 11 years now. How do I get the fraudulent amount removed from my account? I have proof that all property taxes have been paid via my personal bank accounts - I have receipts and cancelled checks, ACH transfers made from my accounts that proved I paid the real estate taxes and not them! Fraud, fraud, fraud! I have spent over 18 months trying to get this resolved but the customer service is non-existent - the agents are rude and clueless.
Product: Debt collection

i notice a alleged debt from RENT RECOVERY SOLUTIONS, LLC for {$3100.00} that i don't owe nor has any dealing with before.I sent them a letter on XX/XX/2021 requesting the validity of the alleged debt and to remove this negative item from my credit report.it is keeping me from getting a home.i also attach a copy below for my record.
Product: Credit reporting or other personal consumer reports

Upon pulling my credit report I observed my full name, address and employer were reported incorrectly.
Product: Debt collection

I made a purchase of {$23.00} from Homedepot/ Citi credit card, in XX/XX/XXXX and Paid in full on XX/XX/20. I am still getting notices of late payment fees on late fees. Now they want {$100.00} for nothing. They put the account for collection in XXXX without any notice and I did not get first payment statement due to Covid-19. I called many times to resolve the problem.Their phone system is robot and Reps. have bad attitude. I cancelled the account still I am getting e-mails and mails. They created this problem just for {$23.00} which is already Paid.
Product: Checking or savings account

Money was taken out of my account at a time before XXXX from a person or merchant in the amount of XXXX, I recieved at the time XXXX or so a month to live on from SSI.and it obvios this guy new how to milk a card and my bank or the fruad department they sent me three different letters the first time all saying different things. The little information I could get from the bank did not in fact come from the fruad department as to this day not one of them has taken my phone calls Just on hold for hours and hang up. I have texted the so called merchant with no response as well. I want real legal action and people who are clearly incompetent should be fired the Bank is Direct Express a branch f of Comerica. It's wonderful to be ignored like that.
Product: Vehicle loan or lease

On XX/XX/year> my truck was repossed but I have paperwork showing it was paid in full XXXX was told in XXXX that Title would be mailed but was never sent only truck got repoed tried callng to find out what was going on but never got return call and was told by Titlemax employee that truck had been repossessed and taken to sell next day would not even tell me where. recovery driver told me it was not any of my business anymore..
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A 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 written consent.
Product: Credit card or prepaid card

Square Customer service agents do not understand enough English to properly process a a simple disputed merchant charge on the card. 

My original filed written dispute clearly states the following : Merchant Name : XXXX XXXX XXXX XXXX Order Number : - XXXX Transaction Date : XX/XX/2021 Transaction Amount : {$19.00} Reason for dispute : Received Defective Product Square 's first customer service agent just cut and pasted in their response were the agent requested that exact information again, which means their agents are either not reading or not understanding simple straightforward English. 

Then, the second agent, thought the complaint was for a product that was not received yet, so cut and pasted in a request for all of the shipping information and so on, again indicating their agents are either not reading or not understanding simple straightforward English, because a defective product by definition means the product was received. 

This type of horrible customer service should not be allowed, because it makes filing a debit or credit card dispute extremely difficult.