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

On XX/XX/23, I reached out to an apartment listing on XXXX, and got notice given my short timeline and the limited availability of the listing to send money over. I sent a total of {$4800.00} to this individual, and never heard back from them. In addition, the individual had a lease that was not official, not was an official realtor/manager. I discovered this scam XX/XX/23, when we were scheduled to meet for an apartment tour and realized the current tenants still live there and I had been waiting with no response.
Product: Debt collection

Lease expired XX/XX/XXXX, paid in full. Receipts to confirm this fact. Rental management company XXXX XXXX added, subtracted, and voided numerous entries without a clear description of the charges. There are duplications of charges, manual entries of charges, and charges are not comprehensive enough to identify their origin or their validity. 

I requested clarification and an itemized list of current charges and a clear description of the debt over the phone XX/XX/XXXX. FCO ( Fair Collections and Outsourcing Inc. ) refused and failed to verify. I was told if I did not pay the alleged debt of {$360.00} by XX/XX/XXXX they would report it to the credit bureaus, and it would have an adverse effect on my credit. 

I contacted XXXX XXXX XXXX XXXX out of Michigan and had them send a legal notice to FCO on XX/XX/XXXX to provide and verify the debts. There was no response from FCO ( Fair Collections and Outsourcing Inc. ). As of XX/XX/XXXX, a derogatory mark was entered on all three credit agencies on behalf of FCO resulting in credit damages. The debt has yet to be clarified. FCO completely ignored the legal request from XXXX XXXX and refuses to communicate in good faith.
Product: Student loan

I am filing a complaint with the lender XXXX XXXX. for its unlawful tactics and hiding information from me as the borrower. I have made payments the best to my ability and advised them what i could afford. Every time i call for a income based program or forbearance i get told there is nothing they can do there are no options and that i have to continue making my payments. At that point i have made the same payments every month that i could at {$200.00}. The payments jacked up to {$900.00} per month and the payment system blocked any payments that were not the full amount of {$900.00}. They then call my step sister who is the cosigner and myself and family making threats they will get me fired from my job since i work in the XXXX system, they threatened that i would have my wages garnished as well as threatened my step sister advising they will have her children taken away from her. Now if i recall those tactics are unlawful and illegal to try and extort a customer for a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation.

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

PROCOLLECT INCXXXX 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 card or prepaid card

I charged a trip through a travel agency out of XXXX XXXX at XXXX per month on my Capitol One credit card. The monthly charges came out to about a little over XXXX. The travel company became insolvent on XX/XX/XXXX ; so I was not aware they were not going to refund any monies to me. My trip was moved to XX/XX/XXXX. Capitol One stated I did not file the dispute in a timely manner and refuse to charge back the funds to my account ; which put me way over my approved balance. The company kept changing my tour dates and in good faith I expected my tour to go forward. Capitol One has continued to deny to pay me back the funds for a service I in good faith did not receive
Product: Credit card or prepaid card

An interest fee charge was assessed by the Capital One company On XX/XX/2020 in total amount of {$27.00} after the credit card debt was paid in full On XXXX XXXX, 2020. They have explained that the interest charge was accumulated from the beginning of the statement cycle until the date when loan has been paid off. I think this company policy should be changed or removed. I have a similar issue with XXXX credit card which they have waived the interest fee as a courtesy.
Product: Credit reporting or other personal consumer reports

After filing a previous CFPB complaint against Experian, they refused to provide evidence of their actions. I have now contacted them to delete my account and remove all personal details They have refused to delete my account and are unreachable upon many attempts.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Company is NOT registered to do business in the State of Michigan however they are, and have been flagging my account according to the above dates.
Product: Debt collection

On XXXX XXXX, 2015, I paid the original creditor, Tax Collector XXXX of XXXX {$860.00}. 

Yet, on XXXX XXXX, 2015, collection agency Credit Information Bureau verified the account with the all credit reporting agencies, and updated the trade-line XXXX to PAID then updated it to CLOSED. 

I am confused, as Credit Information Bureau has not provided me any credit, loan or service. I have documentation from the XXXX of XXXX of my paid in full payment, yet the credit reporting agencies are still allowing Credit Information Bureau to verify and update which is adversely affecting my credit rating. 

I have sent letters ( certified mail ) to Credit Information Bureau ( dated XXXX XXXX, 2015, XXXX XXXX, 2015 ) asking them to validate this account. I received no response to either letters. 

I have also sent letters and done on-line disputes to XXXX, asking the agency verify the account, yet it continues to report the inaccurate information.
Product: Credit reporting or other personal consumer reports

Personal Credit Profile is showing account information that is not mine and not accurate. I have recently reviewed my credit report with XXXX and found multiple unauthorized inquiries which violate the Fair Credit Reporting Act as well as privacy violations. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, my employment shows that I am employed by Union but also states retired on the XXXX report gathered. 

I am employed. Please correct. 

Thank you for your prompt review of the above.
Product: Checking or savings account

On XXXX XXXX ( my mother ) received a call from the XXXX XXXX representative, XXXX who informed her that they have been trying to call her regarding checks cashed starting XX/XX/XXXX to XX/XX/XXXX and they suspect fraud. XXXX immediately went to the XXXX XXXX to get details and then contacted Citibank to inform them of the fraudulent checks written by her daughter, XXXX XXXX who stole her checkbook. She filed a complaint for fraud, they mailed her documents to complete to begin the investigation. The amount identified on the initial investigation was documented at {$1600.00}. However, XXXX later received documentation from the XXXX XXXX and bank for a total of 67 checks totaling {$14000.00}. We have been communicating with Citibank fraud dept via phone. They have sent 3 letter responses XXXX claim denied due to not submitting the required documentation ; XXXX claim denied - the disputed transactions were not fraudulent ; XXXX - claim denied, did not respond in a timely manner. We have proof that we responded in a timely manner as we have kept documentation of all attempts to speak with local bank representatives and online representatives. Citibank fraud reps have not responded to our calls or emails. Attached is a list of all the activity and attempts to resolve this matter with Citibank fraud dept. 
XXXX immediately filed criminal charges and obtained a warrant for XXXX XXXXXXXX XXXX arrest. XXXX was arrested and jailed XXXX to XXXX and continue to face criminal charges in this regard. We have made numerous calls to Citibank fraud unit and have been shuffled around to various representatives, most who are not able to assist. We frequently are told a supervisor is not available and the supervisor or investigator will call back in 24 hours. We have not received such call backs. My mother is XXXX XXXX old and I've been assisting her in trying to resolve this matter as she is not tech savvy and it is very difficult to understand the bank representatives. The fraud dept is outsourced to offshore areas such as XXXX and the XXXX. We frequently request to speak to a supervisor, however, we are told they are not available and will call back in 24 hours. 
On XX/XX/XXXX a Citibank representative finally provided an email address to email a copy of all the checks and our concerns. That email was sent XXXX requesting an appeal of the denial of the 6 checks for {$1600.00} and to open a new claim/investigation for the 67 checks totaling {$14000.00}. On XXXX a supervisor in XXXX acknowledged our email was received and it would take 30-60 days to investigate. We have not received a response to the email for the total amount of the 67 checks. Please assist us with holding Citibank accountable to a proper investigation of check fraud.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX   now.with no help.
Product: Debt collection

Had previously set up a payment plan with a withdrawal out of our joint checking account. A year later they claimed I still owed on the debt full amount. When I was contacted I was driving and told them numerous times I did not have the information in front of me. A month later, I received a notice from my bank stating they froze the joint bank account until the amount of {$260.00} was paid to close the debt. Then after waiting two weeks for them to unfreeze out XXXX account, I received a letter still stating we owed the full {$3400.00}. Also, this debt is from 2009. In their letter, it states that they can not sue me or persue me for the amount because of the age of the debt but can continue reporting it on our credit report. 
The debt has been paid. But they misled me on the phone saying I owed the entire amount and never told me it was only {$260.00} that was left. Also by freezing my bank account it caused us numerous hardship because we had bills scheduled to be paid automatically. 
Legally they were not allowed to collect the debt due to the age. 
Do n't get me wrong, I 'm glad we do n't owe them anything but I do n't believe they were allowed to do it the way they did.
Product: Mortgage

The bank failed to notify my town that they own my mortgage, failed to may our property tax bill on time, and when I am attempting to solve the problem I have been on hold for more than an hour and a half. They would not connect me to a person in the bank 's tax department.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX student loans acct under XXXX XXXX, account # XXXX, is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH  my credit reports & credit scores have suffered due to this falsely reported data. <P/>XXXX refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone stole my identity and purchase XXXX vehicles in my name that I did not authorized. I was incarcerated in XX/XX/year> in XXXX XXXX. 

XXXX XXXX $ {$70000.00} XXXX XXXX XXXX {$47000.00} Both accounts stated above are fraudulent and doesnt belong to me
Product: Credit card or prepaid card

ON XX/XX/2021, PRIOR TO MY BILL DUE DATE TO PAY THE ACCOUNT BALANCE. 

ON XX/XX/2021, I FOUND OUT I COULD NOT USE MY ACCOUNT BECAUSE THE BILL PAY WAS NOT PERFORMED. THEY SAID THAT I COULD MAKE THE PAYMENT OVER THE PHONE AND GAVE THEM MY ACCOUNT INFO TO PAY THE BILL. 

I CALLED AND SPENT OVER 3 HOURS DEALING WITH CUSTOMER SERVICE IN ORDER TO FIX THE ISSUE WITH USE OF THE CARD. 

I SPOKE TO XXXX XXXX ( XXXX ) AND XXXX XXXX ( XXXX ) AND SEVERAL OTHERS TO FIX THE ISSUE AND THE BILLPAY BUT THEY SAID THAT THEY WILL NOT BE ABLE TO WAIVE THE FEE AND INTEREST. 

I FEEL THAT THEY PURPOSELY CREATE THIS AUTOPAY IN ORDER TO CAUSE PEOPLE TO PAY INTEREST AND CHARGES. THIS IS ABSOLUTE FRAUD.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I review my credit report regularly, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Because of this, I kindly request a thorough review of the documents Ive submitted to ensure I wont have to deal with this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted in multiple with occasions XXXX, XXXX, and Equifax to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it. 

According to 15 U.S. Code 1681, I did not give written permission furnish anything on my credit report.
Product: Credit reporting

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

My loan was recently transferred from XXXX XXXX XXXX to Rushmore Loan Management about a year ago. During that time XXXX sent me a letter that my loan was being transferred to Rushmore and the only thing I was instructed to do was submit my payments to Rushmore home loans, which I did. I received my statements for the first six months and made my payments on time. Shortly after I stop receiving my statements from Rushmore Loan Management. I called to notify Rushmore in regards to not receiving my mortgage statements, in which I 'm entitled. I spoke to a manager and notified him that I was not receiving my statements. The manager informed me that I was in a chapter XXXX bankruptcy, which was discharged XXXX years ago. I then asked the manager how I could start receiving my mortgage statements again in order to submit my payments in a timely manner, also, to have for my personal records. The manager told me to write a letter to give permission to Rushmore to send me my statements, which I did diligently. In addition, I attached my payment for XXXX XXXX. Rushmore sent me a letter in return that they received the letter I sent and payment, and told me they would get back to me in 30 days. Today XXXX/XXXX/XXXX I received a response in lieu of my request indicating that they are not able to send me my statements due to my Chapter XXXX bankruptcy. After my conversation today with another manager, they refused to send me my statements regardless of any legal documents and or receipts I send them. As a consumer I am entitled to receive my statements when submitting money to any company.
Product: Credit reporting or other personal consumer reports

About 6 months ago I discovered that there were Items on my credit report that do not belong to me including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time of discovery, I immediately contacted the credit bureaus, and they instructed me to contact the FTC and file a complaint which I did promptly. Absolutely nothing changed on my credit report, so I decided to file another dispute and once again nothing changed. I was explaining to a friend the process that I had just completed for the second time with no results, and he advised me to contact your company which is what brings me here today to file a complaint with your company. Please help me.