23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from XXXX is a check acceptance company. XXXX and Bank of America have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using Bank of America Checking account ending in XXXX. 
I have been targeted by XXXX XXXX XXXX at financial institutions like XXXX, XXXX, and Bank of America who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 

1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by XXXX. The average deposits in the checking account being used is over {$10000.00} USD. 
2 ) XXXX has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the XXXX website 3 ) XXXX has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 
4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. 

Please investigate and have XXXX release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to XXXX using Complaint Codes XXXX and XXXX.
Product: Credit card or prepaid card

I have contacted the Michigan UIA Debit Card through Bank of America around XXXX to XX/XX/XXXX. To receive my balance on the card from the unemployment benefits. This organization has not gave me the balance yet. The amount on the card was {$950.00} and some change. In XXXX of XXXX a check was allegedly sent out to the wrong mailing address after I provided the agent of this organization my correct mailing address. Also updated my address with the post office afterwards. I have been told at first the balance in a check form will be mailed in 7-10 business days, then 15 business days now its 45 business days. It seems that I'm getting misinformation. I even was to to go to a branch to verify my identity after I completed the identity screening over the phone with the prepaid debit card service over 5 times.
Product: Debt collection

ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries that being reported were not authorized by me nor did anyone call to confirm the request for credit by me and I have a fraud alert on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurate and unverifiable. I don't know who they are or why they have my information. I am in North Carolina and the statute of limitations here is 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX {$690.00} Account Resolution Services ( XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my bank statement today and noticed a charge for {$26.00}, that's been taken out every month since 2017! 

After looking into the charge and my emails I found it was from a credit site called Transunion but never signed up for them. 

I was under the impression that these emails were junk sent from a money gram service under a similar name as I've sent money orders in the past at XXXX. 
As for the charge on my bank I thought it was XXXX since it read TU*union. I have no idea how to even cancel this since I don't recall singing up in 2017 and don't trust clicking on there questionable website.
Product: Debt collection

I canceled service two days after signing up. I exercised the 30 day money back guarantee. They did not have decent collection service. I explained many times that I didnt owe them anything. They would sometimes say ok other times they would say that they would get back to me. In the end I thought it was handled. Now they put the account into collection. I dont owe this money or I would have paid it. This is not correct!!!
Product: Mortgage

The bank approved the mortgage and commited to buy an illegal property by ignoring the clauses of the sales contract and putting me at risk with my family. Which is a fraud mortgage. 

I lost a lot of energy and money and did not get a compensation and refund. 

In XXXX buying an illegal kitchen and bathroom is illegal and XXXX of garage to living space is a crime without permit. 

But bank has approved mortgage and commited to finance this which might put me to a big trouble by their fraud. 

After realizing that, bank withdraw the commitment without giving any notice and ignoring to respond to all queries to make the correction on the commitment. 

Chase advertises closing guarantee in less than XXXX weekends if not they pay {$5000.00} as a penalty. 

They ignored all the facts even after I emailed and provided the documents that the mortgage is approved by Chase is totally illegal and it maybe a crime!
Product: Mortgage

Mr Cooper AKA Nation Star conducted an escrow analysis and advised of the shortage I was to pay in the amount of {$26.00} by the deadline to prevent my mortgage payment from increasing effective XX/XX/XXXX. However, despite paying the shortage on time the Mr. Cooper still increased my mortgage payment. I have already asked them to correct this error and instead of restoring my mortgage payment back to the original amount they justified the increase. This is extremely unethical, not to mention a bait and switch. In bringing this to light, it's my hope that regulatory entities will hold them accountable, make them correct their intentional error and investigate their unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2019 I entered a written dispute with XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at Experian. Specifically alleged, XXXX   XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX   XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Experian is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Experian credit report notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Starting XX/XX/XXXX, I noticed through my Equifax Premier Plan that I pay for ( $  XXXXmonthly ) accounts were beginning to disappear from my credit report. As of XX/XX/XXXX, there are 16 accounts that have been deleted from my CR. I have contacted Equifax five times hoping to have them fix my CR but they have not and will not and can not explain why this is happening. I immediately contacted the banks/creditors to verify they are still reporting every 30 days to EQ and they are. They have not deleted any information from my EQ file. My XXXX XXXX and XXXX files are not affected and are correct. Reps at EQ would not escalate my issue to anyone higher or their consumer affairs dept which it what was advised to me through the banks/creditors of the 16 accts that have disappeared from my report. Also wouldn't it be odd that 16 accounts would just mysteriously be deleted from my CR and Equifax unable to explain why? I've never had any issue with EQ until now with their credit monitoring product that I purchased on a monthly basis. Please advise what legal steps can be taken to correct this problem. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian my initial complaint that I filed with the FTC for identity theft in XX/XX/2022. I gave them every lawfully required document and by law Experian is supposed to remove and block the items from my consumer report. Experian has taken over 30 days to even complete an investigation and have yet to remove them. I am XXXX XXXX XXXX and this stress has made me ill. I am a XXXX  and this is the type of stress that can XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not have to beg Experian to follow the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has wrongly reported 2 hard inquiries dated XX/XX/2019. Remove the two hard inquiries.
Product: Mortgage

The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.
Product: Credit card or prepaid card

XXXX is a XXXX credit card financed through XXXX XXXX XXXXank XXXX The card had a fraudulent charge on it back in XX/XX/XXXX, and since getting that resolved, my card has been unable to be used to make purchases online ( which for a while was the only way to purchase from XXXX, store-pickup included, during the forced lockdowns ). I sent secure emails to the company several times explaining that my card wasn't working, asking if the new card maybe wasn't activated ( turns out it's a pre-activated card, no activation required ). Twice after, I requested replacement card, and for almost 2 years, my card/account didn't work on XXXX 's XXXX ( the location near me closed in XXXX, so I hadn't tried it in store ). I ended up near a location, and decided to try an in-store purchase, back in XXXX, and it finally worked. It STILL did not work for online purchases shortly after, in a test purchase. But the in-store worked. My statement came due, and I thought my previous auto pay ( set up from about XXXX years ago when the card was still actually working ) was still active. I guess it wasn't, and I incurred a late fee. I attempted to call the customer service line, but the automated message played and eventually the call disconnected. Turns out Comenity has a HUGE system outage/business outage. There are no customer service reps that I've been able to reach ; I can almost never get into my online account ( through XXXX and my other Comenity credit card through XXXX ) so I can't verify dates on anything. While the late payment was my fault as I had unfortunately not checked whether my old auto-pay was still set up, I am unable to come to a resolution with Comenity because they are currently not engaging with customers. There phone system is still giving a useless automated message and then disconnecting, so I can't talk to a person. I was able to use their " XXXX '' system to make a payment to cover the minimum/late fee + extra, but it is taking longer than usual to appear on my XXXX account XXXX during the XXXX minutes I was able to get into it earlier today. This is especially frustrating as I haven't even been able to use my XXXX card for about XXXX years, and now all of this goes down shortly after I was finally able to get it to work. I just want to negotiate with Comenity to hopefully remove the late fee, but I will pay it if they decline ; yet I can't even get a real person on the phone to help with this issue. Filing a report because this ultimately seems unacceptable that there is no way to contact customer support during such a ridiculous " outage '' ( that they're claiming )- are the customer service representatives working outside of their job descriptions as technical engineers?? Where is customer service? Basically, I was unable to use my card for over a year, my auto-pay didn't remain active, and I was charged a late fee that I just want to attempt to speak with someone about. ( I am unable to get documents, as the websites are all nearly impossible to get into. I have only been able to log in on XXXX occasions, after dozens of login attempts. )
Product: Debt collection

XX/XX/XXXX I changed companies. My old companies health provider was XXXX XXXX and my new Health Provider was XXXX. XXXX when I want XX/XX/XXXX to XXXX I gave XXXX XXXX my new XXXX XXXX information. XXXX XXXX mistakenly billed XXXX XXXX for the XXXX and they paid it although I wan no longer a member. 
XX/XX/XXXX I received a letter from XXXX fomenting payment for {$330.00} for my prescription. I called them up and asked them why there not requesting payment from XXXX XXXX and they said because I XXXX. I called XXXX XXXX and they said that this type of mistake was common and that they would just " reverse '' the charges and bill XXXX. this week I received a letter from a Bill Collector the XXXX hired to collect this dept. 

I do n't feel that this is my dept. I paid XXXX XXXX my {$25.00} CO-Payment and my business transaction was with them and I had no transition with XXXX but now my good credit is in trouble because this debt has gone into collection. 

This is another case of BIG BUSINESS squeezing the working man. 

Please help me. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX Contact : XXXX @ XXXX / ID # XXXX XXXX XXXX Contact : XXXX @ XXXX Collection Agecny : XXXX / case # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote to TransUnion to investigate hard inquiries on my credit report I did not authorize. I called the company on there and they said I needed to get with the credit bureaus so that is what I did. Well I never got a response and the unauthorized and false hard inquiries still appear on my credit file with you. I never once gave my permission to these companies to check my credit score. Please investigate this matter and remove them as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont know how to go about this but I have a serious issue of some account the I never recalled applying for any credit cards in my name. I found someone opened an account with the follow companies : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX   # XXXX****, XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX. I was never a Authorized User on anyone 's account so I know the account was not mine nor the companies above.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX XXXX has placed a charge off on my Experian, XXXX, and myXXXX XXXXXXXX consumer report. According to the XXXX a charge off is considered a certificate of indebtedness which means it is defined by the XXXX as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Target Credit Card in XXXX XXXX XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX XXXX XXXX XXXX XXXX XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. 

I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX XXXX XXXX  ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX XXXX XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a XXXX-year payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a XXXX XXXX relationship in which I am a victim of XXXX XXXXXXXX, I have had my XXXX XXXX, XXXX XXXX, had to take unpaid XXXX XXXX from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. 

I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED XXXX REPRESENTATIVES XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you.
Product: Money transfer, virtual currency, or money service

Conducting various transactions with PayPal, a handful of transactions have caused me issues. Specifically transactions for the first part of 2020. While the transactions have bounced back and my bank deemed not paid, I continually have hundreds ( currently approximately {$500.00} ) in NSF Fees. Further, PayPal constantly transfers an amount at a arbitrary date of their choosing. Every time I get a notice, there is no express indication that they are going to retry a payment at a specific date ( example, we will retry payment in 3-4 business days ). The emails do not provide a specific date. I am unable to keep up with the transactions, I have attached the transactions from PayPal for the last 2 months, and my bank account transactions for PayPal. Additionally, I attached the emails.
Product: Mortgage

In summary : I have a VA loan with XXXX XXXX whose servicing is collecting my mortgage debt by Lakeview. The anniversary of the loan is XX/XX/2016 ( 3 yrs. ) For 19 months I paid {$720.00}, then 3 months {$690.00}, then for 11 months {$710.00}, NOW they want to bill me {$890.00}. Thats when I said ; I better take a look at what is happening here. They have asked me to pay {$1400.00} for a shortage in escrow. Then another time {$140.00}. So, I followed the steps required to stop escrow. I have been played for about a year. So, this year I decided to pursue the issue with greater attention. After carefully reading the documents I believe they just want the period to come to an expiration where the I Insurance request will lapse. 
I have searched high and low for some kind of r view for this company and have and no success. I wanted to know if others were having my issue, where THEY over pay the wind and hail ( XXXX ) and that is their fault which is passed on to me. THEY have also over paid the Home Insurance w XXXX. I have had conference calls w Mortgage and Insurance, but I keep getting no answers to my questions and I get no calls back when THEY say someone will look at this. Im waiting for them to make the proper adjustments. Please Help! XXXX or XXXX XXXX XXXX XXXX Names I have talked to : XXXX in Management, XXXX in Insurance and her Supervisor, XXXX in Escrow, XXXX in Customer service,