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

on XX/XX/2024, I made 5 transaction for the amount of {$1600.00} each transfer.. 
Paysend company completed only 3 transaction .. 2 transaction were not completed or not payout .. so I cancelled the 2 transactions .. Paysend send me a letter telling me that the money will be refunded to my checking bank account {$3200.00} were it was originated.. It passed month and the money is not back to my checking bank account. I try to contact multiple times during the course of this inconvenience and they were blaming XXXX XXXX  account.. I contact XXXX  and they told me the refund was not originated and Paysend needs to credit back the money on XX/XX/2024. I haven't received my refund yet
Product: Credit reporting, credit repair services, or other personal consumer reports

My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( 1 ) XXXX XXXX XXXX XXXX, XXXX TX.XXXX ( 2 ) XXXX XXXX XXXX XXXX , AK XXXX. 
( 3 ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened Bank of America account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with Bank of America.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and bank of america with ref # XXXX. I contacted XXXX and Bank of America disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America mortgage payment was made on XX/XX/2018, but they reported it as being 30 days late. The payment for XX/XX/2018 was made after the XX/XX/2018, which is reported correctly on the credit report. I contacted bank of America on XX/XX/2018 because the account was showing as closed on XXXX XXXX, and I was told that they closed and transferred the account to XXXX XXXX XXXXXXXX and this is the company I should deal with going forward. They would not speak to me in regards to the late payment reported for XX/XX/2018.
Product: Debt collection

Dear Consumer, Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency. On XX/XX/2022, I received a phone call from Williams and XXXX, during which they informed me that I did not owe any debt but requested my social security number. A few days later, on XX/XX/2022, Williams and Fudge called me again and claimed that I owed {$5000.00} in debt. 

In response to these calls, on XX/XX/2022, I sent a certified letter to Williams and Fudge denying the debt and requesting verification that the debt is mine. I also requested that they cease all communication with me regarding this debt. 

Despite my request, I have yet to receive verification that the debt is mine. Williams and Fudge has continued to contact me, causing undue stress and harassment.

I believe that Williams and Fudge is in violation of the Fair Debt Collection Practices Act, which requires debt collectors to provide verification of debt when requested. I am therefore filing a complaint with your agency and requesting that you investigate this matter. 

I appreciate your attention to this issue and look forward to a resolution.
Product: Bank account or service

I had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Bank of America ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.
Product: Credit reporting or other personal consumer reports

I paid off pay tomorrow and have made payment. I finally paid off the account. The balance is still showing wrong on credit report. The balance is still showing that I owe money on the portal. I was also told it would be removed from my credit when it is paid off.
Product: Credit card or prepaid card

I have/had two cards from this company Comenity Bank. XXXX and XXXX. They closed my XXXX card without notifying me through call, email or mail. They lowered my credit limit on my XXXX card as to make me over the limit immediately due to late payments without notifying me via call, email or mail. being over the limit affects my credit score. 
In XX/XX/2021 I was behind, they have made a few phone calls in XX/XX/2021, I got caught up. 
XX/XX/2021 I had not yet made a payment. On XX/XX/2021 This creditor called my before XXXX XXXX and left me a voicemail as well Obviously contacting anyone regarding a debt before XXXX XXXX is illegal. 
I refuse to be harassed by this company because they can't follow the law. Then they punitively punish me because I'm behind on ONE card and my other has a PERFECT payment history and they closed it anyway and drop my limit as to insure I'm over the limit on the open account. In what world is this acceptable and ethical? 
I will not have my peace disturbed before XXXX XXXX. My Payment is due the XXXX and these people call me illegally on the XXXX before XXXX its predatory, its harassing, its unacceptable.
Product: Credit card or prepaid card

In XX/XX/2022 I paid my account balance to XXXX. Because I was making an early payment I attempted to cancel the upcoming autopayment. I thought it would only cancel the upcoming payment and leave the autopay arrangement in place. In doing so it cancelled the entire autopay arrangement, in which I was unaware. In XXXX of 2022 I made a small purchase on XXXX and put the charge on my account. Thinking my autopay would kick back in. It did not and I was alerted in XXXX that my score had dropped due to a missed payment due to Barclays. I called to inquire why autopay did not take care of the monthly payment due and was informed it had been cancelled. It was then I was told, I should not have cancelled the autopay, that it would not have taken the additional money out if the balance was XXXX. Okay, lesson learned. The rep refunded my late payment and told me to write a letter to the dispute department to see if they could change the information sent to the credit bureau in light of the misunderstanding. I did just that and still have yet to receive a direct response from them concerning the matter. Funny thing is I paid the small balance in full a few days later and earlier than the due date. I left the autopay in place ( as I was instructed I should do ) and guess what? When my due date came along, they charged my account anyway, despite the fact I had a XXXX balance. HMMM!!! To top it off, they decreased my credit limit yet affecting my credit score once again. I felt XXXX valued. As a loyal Barclay 's member, who always pays on time and stays well below my credit limit, this was as isolated incident and XXXX due to an honest misunderstanding. I called yet again to understand why my limit would have been lowered because of this isolated incident and was informed it was because I had been delinquent for XXXX  months ( untrue ) and had too many derogatory marks on my credit report ( untrue ). Before they lowered my limit, my credit score was XXXX XXXX ( depending on which credit bureau XXXX I had a credit utilization rate below 19 % and I had no derogatory marks on my report. Besides this XXXX hiccup, my on time payment history was 100 % Does that sound like it warrants a decrease in credit limit. I'm not even upset that they have decreased my spending power, that's not a big deal. When it effects my credit score, that's a representation of my worthiness, my ability and willingness to pay my debts. A representation of me that they should not have the ability to affect or manipulate so easily. I am attaching several screen-prints of my credit score across several platforms. As you can see I am over diligent when it comes to staying on top of my credit score. The reason for the decrease in credit limit can't possibly be because of my credit history. Someone didn't do their homework.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies are reporting information inaccurately, this is information was never verified by me as the individual or the source in which they have listed on the report. Therefore this is unfair reporting and a violation of my rights to privacy according to the Fair credit reporting act and the privacy act of XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX In accordance with the fair credit act XXXX  account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have Equifax Complete Family Plan. I am trying to add my children to Equifax Child Monitoring. I tried to add them via online, I got message that " We need some more information Youre taking steps to help better protect your family members. Because a credit file for already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. 

Please call our customer care team at XXXX ( XXXX ) and get started today. " I called around XX/XX/XXXX, I was told fax to Equifax ( Copy of DOB, Copy of SSN and My Driver License. 
I faxed them XX/XX/2021, I called 3 week later, i was told they can not find FAX, send it again. 
I faxed them on XX/XX/2021. 
i called week later, I talked to agent and confirmed they received Fax, and i was told, they will process and call back later 5 business day. I called again XX/XX/2021 approx XXXX I was talking to XXXX , He was unable to add them to Child monitoring system, He submitted Ticket. I got Case # and was told 7 to10 bussiness days. I called XX/XX/2021, Talked to XXXX and same problem, they can not add them then i asked for Supervisor, His name is XXXX, He was telling me He will email to Techanical Team about this issue. He gave New Case #. i was told wait again 7 to10 business days. 
I was trying to add my children to child monitoring via Equifax website. I was getting same message. I called XX/XX/XXXXapprox XXXX, I was talking to XXXX, he also can not add my children to child monitoring. I ask for Supervisor. Supervisor name is XXXX. 
After 1hour and 30Mins, I got new case #. 

I am really tired with this type of service. I am paying for Equifax complete family plan. still I can't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights by not following proper fair credit reporting practices. I submitted a dispute online on XX/XX/XXXX I have been monitoring the progress since I started the dispute. the date of completion was set for XX/XX/XXXX. I called today to find out the result. they explained to me that the investigation has been completed. when i asked them why I was not informed they started that it was emailed to me. I replyed I never received the email, when I asked them which email they send it too they could not answer me and only replied that unfortunately the email was sent. They stated that the investigation was complete but I was not legally notified with-in the time frame they had. I requested verification and they would not provide it to me. I was never notified and I could not see the results online which is my right, with-in the time frame which is required by law of 30 days. The information has to be deleted. Transunion did not do the proper investigation and violated my rights under section 609,623, and 611 of the fair credit reporting act. I would not be so upset if the results was available to me online but no results where posted and I can only take there word with no proof of validation and with holding the results from me. the dispute and information must be DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. There has been no proff provided to show that this reporting is even accuarate as it is not. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. I have also reached out to the CEO of Experian for assistance in this matter as this has been going on for well over a year. 

The fraudulent account to be deleted and blocked is XXXX. Also, I would like the closed XXXX XXXX payment history to be accurately updated to show no lates. 

Please see attached for the police report and supporting documentation.
Product: Money transfer, virtual currency, or money service

I had a cash app account with funds still on it. I lost my phone in a waterfall and lost access to the account & created a new one. I attempted to merge accounts to intercept funds from the first account like they instructed and they gave me limited help as well as deleted my funds from the number I had assigned to the original account. I bought a new phone today, kept the same number & attempted to login. I was met to XXXX . When I complained to support, I was met with limited to no help again. Please help
Product: Credit reporting or other personal consumer reports

Dispute XXXX : Company Name : XXXX XXXX XXXX  / Date ( XXXX ) : XX/XX/2023 XXXX, XX/XX/2023 The company listed above, I noticed unauthorized inquires on my credit report.
Product: Mortgage

XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services in XXXX of 2015. According to them I started out a month behind in payments. I had paid every month they sent statement and tried calling customer service to discuss this but got nowhere. They offered to take a partial payment by check as the website would only allow a payment in the amount of two months XXXX, however there was a fee to do this. I then mailed a check to them and in the meantime started receiving certified letters of Intent to foreclose on our house. Even if they are correct we are only about 3 weeks behind on XXXX payment this is so ridiculous. We looked into this new mortgage company and were horrified to see what had happened to other people, they had lost their homes in a matter of months with this company. We paid the extra month they said we owed just to avoid ruining our credit and losing the property and the day we paid I received a statement in the mail informing us they were raising out monthly payment by {$210.00} explained only as other in the payment breakdown. I ca n't afford that and there is no reason for it. The escrow is currently {$510.00} a month which is {$6100.00} a year. The projected annual escrow payments are only {$5600.00} a year. The amount of yearly escrow? now if that 's even whee its going will be {$8700.00} per year. They do not need to pad the escrow with an extra {$3000.00}. We are very afraid that we will lose this property and need to know what we can do.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern with the way my numerous attempts to rectify a late open accounts on my credit report have been handled. 
Despite my persistent efforts to address this issue, it continues to negatively impact my creditworthiness and financial well-being. This late open accounts is significantly affecting my credit score and causing difficulties in obtaining loans, credit, and financial opportunities. I have meticulously followed the appropriate procedures for disputing this issue, including providing supporting documentation and complying with the regulations stipulated in the Fair Credit Reporting Act. Despite my continuous efforts, the late open accounts remains on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial standing and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I request a thorough and prompt investigation into this matter to rectify the late open account on my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the steps taken to correct my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. I am asking for your assistance to correct the late open accounts : XXXX XXXXXXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$690.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XX/XX/ and I have not received this information as requested.
Product: Debt collection

They called me, then asked me to give my phone number so they could identify me. I refused, since they called my number they should know what it is. It seemed to be about debt collection, but I have no unpaid or overdue debts. Now I get a call from the same number at least once per day, but no one is on the line when I pick up. THe phone number they are calling from is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, XXXX, Transumion and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXit and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs this?
Product: Credit reporting or other personal consumer reports

The informatio furnished on my credit file has not been verified or approved by me to be placed on their platform, also none of the information has my signature.
Product: Vehicle loan or lease

This Company Has Put on my credit debt collector threatening for me to pay them when their not my lein holder nor loan agency nor finance agency my car was purchased and financed with US AUTOSALES. already made payments they started my finance over as If I hadnt made any payments. Money I didnt have to throw away. They started my lease over that is NOT RIGHT. US AUTOSALES IS WHO THEY SAY IS IN DEBT I SHOULD NOT SUFFER FOR THAT. WESTLAKE IS A DEBT COLLECTOR NOT A FINACE
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX until present Ive been making payments more than the monthly payment and Im being charged late fees and reported delinquent on my credit and Ive never missed a payment and not even due being that Im paid up for months with Conns Home furnishing. Ive made over 20 attempts with the company which admitted to this issue and said it would be escalated for issue to be fixed. It is still not. I have supporting documentation to prove this.
Product: Credit reporting or other personal consumer reports

From XXXX I have been in and out of incarceration with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of incarceration along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX loan in XX/XX/XXXX. XXXX XXXX XXXX said that I owed {$500.00} dollars for fees and charges. Not car payments. I referred them to XXXX and XXXX of XXXX when I paid those charges. They have reported late payments to all 3 bureaus. ( XXXX, XXXX, and Transunion ) I told XXXX that I was going to take legal action, and they sent my account in as a Charge off / Collection without the account ever being late. Even in their fraudulent reporting, they have me 60 days late in XXXX Then XXXX. no XXXX, XXXX, XXXX, or 180 days late. Then the charge-off. ALL TOTALLY WRONG. 
I have proof. XXXX sent me the letter of " PAID IN FULL '', and the Cars title, with the lien released. I sent letters to all three bureaus in XXXX and XXXX with copies of the account payoff letter and the car 's title. With a demand to delete this account if full, because it is wrong all 6 of the months at the end of the loan. I can supply the paid in full letter. And a copy of the title that XXXX sent me on XX/XX/XXXX. I wrote all three bureaus ' letters to delete. They are in the ATTACHMENTS.
Product: Debt collection

Was filed on my credit report on XXXX XXXX XXXX  in the amount of XXXX.