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

I paid one year of fees with Debt Settlement company, Americor Financial ( Americor.com and XXXX XXXX XXXX ). After one year, my credit is destroyed and I feel like I have been mislead on that detail. However, I called on XX/XX/XXXX at about XXXX XXXX. and spoke with a gentlemen named XXXX at their other number XXXX XXXX XXXX. I told him I had researched it and that I was legally entitled to any unearned fees at that point. XXXX told me that I had about {$1000.00} dollars that would be refunded to me within a few days after I spoke to their other customer service number ( the XXXX XXXX XXXX number ). I called them back on this past Monday, XX/XX/XXXX of XXXX and spoke to a woman named XXXX who told me I was not going to get the unearned fees regardless. I called again and spoke to a woman named XXXX XXXX at XXXX XXXX. She said also that I would not get any money back, regardless of who I complained to. I know they owe me At Least {$1000.00} dollars and perhaps more. Overall, I think they could do with some governmental oversight as to their lying about credit repair and such. I don't have any receipts at this time, but if needed, I can obtain bank documents that show they have been taking my money for some time over a year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on Student Loans To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my consumer credit report, specifically involving my student loan accounts. Despite my initial dispute filed on XX/XX/XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : 1. Inaccurate Reporting of Late Payments : The student loan accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the XXXX XXXX XXXX XXXX ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights.

3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations.

Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of XXXX and XXXX late payments listed on my credit reports for XXXX and Experian XXXX despite XXXX loans being in deferment as verified by the XXXX XXXX XXXX XXXX XXXX These discrepancies have severely impacted my XXXX XXXX and financial reputation. 
Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to collect a debt that I do not know about, and have no knowledge of.They have been harassing me and I do not owe this debt. 
According to 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all calls. I am NOT RESPONSIBLE for the following debts that I have been getting harassed about. I have absolutely ZERO knowledge of this. It was opened without my consent or knowledge. 

XXXX XXXX Account Number XXXX Opened XX/XX/year> Amount owed {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " XXXX XXXX XXXX ''. It indicates the original creditor is " XXXX XXXX XXXX XXXX ''. And it indicates the account was opened on XXXX. I XXXX XXXX XXXX in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX , who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I am writing in reguards to dispute # XXXX for a purchase of {$100.00} on XX/XX/20 from a website XXXX I originally made this dispute as I tried to cancel the order for this purchase before it was processed and sent. I became very suspicious that the website and merchant may not be legitimate after I ordered the items. I was told by the merchant it was too late and they already sent the item. I ordered 2 bifold closet doors from this merchant and they provided tracking numbers on these. The packages arrived seperately and intially opening them, I was very confused by the contents because there were paper N-95 masks in them from XXXX and I did not order any masks from XXXX ever. I thought it was someone's mistake. I quickly realized this that the tracking numbers on these packages for the masks were the same tracking numbers provided by the merchant for the for the doors. So I ordered 2 bifold doors for {$100.00} but I received some paper masks worth a few dollars which is fraud. 

The claim was supposedly investigated but settled in the merchants favor. Prior to this dispute being settled, I tried to relay this information but do not feel it was taken into consideration. I have provided communication with the merchant with tracking numbers and an attempt to cancel the order as well as pictures with the package and tracking numbers showing the items in the package which were not what I ordered. 

In summary, I ordered 2 doors for {$100.00} USD on XX/XX/20 and was sent some paper face masks instead. This is clearly a fraudulent scheme by the merchant. I tried to address it immediately and feel that it could have been addressed more quickly and efficiently. 

I have tried to provide any additional supporting documents as well as communication from the merchant about the order. This information make the fraud clear and easy to see. I hope that this is further investigated again and there is improved transparency and communication. This has been a very frustrating experience for me.
Product: Debt collection

This is a follow up for the complaint I previously sent about XXXX XXXX. They sold my info to Marcadis Singer PA, a 3rd party debt collector. I was not notified, nor aware of this until AFTER I received a letter from Marcadis. I sent them an Affidavit of Truth, which I have attached to the complaint. Marcadis responded by simply sending me statements. As a consumer, I have the right to see the contract that states that I owe a debt.
Product: Credit card or prepaid card

Bank of America offered an XXXX XXXX credit card with an introductory XXXX miles upon spending XXXX XXXX Therein lies the problem, when I had applied to the credit card, I had inputted a separate residential and mailing address. Afterwards I filled the rest of the application and was approved immediately. 
After waiting a while I realized that I never received the card at my mailing address, it turns out that Bank of America sent the card and information to the residential address ; assuming that the information mailed out to the residential address ( which I still have not received ). Herein lies my complaint : 1 ) I was not enrolled into the advertised credit card, but was instead enrolled into a different card with the same spending conditions, less miles earned per dollar spent and less miles earned for meeting the spending requirement ( XXXX instead of XXXX ). None of which were made known to me at time of application, acceptance letter, or delivery of the credit card. 
2 ) Upon requesting the local bank of america branch for help to see when I would be receiving the XXXX miles, they made it known to me that I had received the lesser valued card, but had still assured me that I will be getting the XXXX miles. 
3 ) Early XXXX, after half a year of waiting for the miles, I went to a local bank of america branch again and was told to wait while they worked on the issue at hand. This issue still has not been resolved. I was told then that they would fix the problem. 
4 ) today XXXX.19 I was told that they are refusing to even compromise and that I was not qualified for earning the XXXX miles even after being assured multiple times that I would get it and they refuse to work with me on any further subjects regarding this matter.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Chase bank on XX/XX/year>. On XX/XX/year>XXXX  my credit rating through the Chase freedom portion of the credit card score dropped XXXX points? For years it has been fluctuating between 1-2 points. Now it drops XXXX points. I find this not only a detriment to my livelihood it also tells me that the banking industry is corrupt and this is just one example of the power that is being used to keep a person from filing a legal recourse complaint.
Product: Debt collection

Acct #  XXXX **** ConServe claims I owe a debt of {$3000.00}. This claim is fraudulent and inaccurate, and it is being formally disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/><P/>
Be aware that I am making a final goodwill attempt to have you clear up this matter.
Product: Debt collection

I believe the account is invalid. MIDLANDCRE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. MIDLANDCRE XXXX and MIDLANDCRE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXX Balance {$2600.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Product: Mortgage

XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager, Mortgage Assistance ReApplication Review Team ( ID # none ) on XX/XX/XXXX @ XXXX XXXX, on phone 19mins regarding the (XX/XX/XXXX) letter restating their decision to which XXXX requested again asked to what SERVICING AND LOSS MITIGATION, FHA Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Section Guidelines was the decision based on she didnt know put XXXX on hold to come back and said she would call him back.

Previously XXXX called XXXX, on XX/XX/XXXX @ XXXX XXXX, on phone for 92mins to Change in Circumstance Team to XXXX XXXX, Department Review Specialist ( ID # none ) stated the short sale option was continued decline from their ( XX/XX/XXXX ) decision because of the loan delinquency presently ( 152 months ) and the marketability of the property. XXXX asked to speak to a Supervisor, XXXX XXXX, Executive Office Support Group was not a Supervisor XXXX asked to speak to a Supervisor dropped call. XXXX called back at XXXX XXXX, on the phone for 16mins to XXXX XXXX, Escalations Case Manager XXXX. XXXX requested since CHASE, the servicer for the investor Case # XXXX, what were the FHA Guideline Sections pursuant to delinquency and marketability of a property. He did not know yet assured XXXX he would escalate questions that someone would get back to him by email or phone call also stated further communication needed to be forward to, XXXX, Executive Office Research Specialist, Case # XXXX @ XXXX ext.XXXX.

Mr. XXXX forwarded XXXX a copy of their ( XX/XX/XXXX ) 5 pages decision [ exculpatory evidence ] where CHASE continues to violate, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), where the ( minimum 31 days delinquency ) period is and marketability has to do with ( condemned ) my property is not condemned. For these reasons, I was compelled to file ( Bankruptcy XXXX  ) because we are not being allowed to short sale our property to avoid a deficiency judgment and/or foreclosure on our credit reports.

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above said Parties, etc.

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners ( Married )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXXI DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent Equifax security breach. In this breach, I have lost, at minimum my address, driver license, SSN, and birth date. I am learning of this today, at least two months after the breach happened.
Approximately one month ago my online banking access was stolen and several transactions were made before I was alerted. The perpetrator 's had used my SSN to change my online banking password, created an account to transfer my money into, and initiated transfers from my own bank account to theirs. The only way to commit this type of fraud is to use the victim 's social security number. This happened on Friday night. Because of my bank 's policies, I could not access my account until Monday. On that Monday I had to withdraw everything, and file a report. I had to close my account and change all of my banking information for all of my bills. I ended up leaving the bank I had had for more than 7 years because I believed it was a problem with their own security that caused this incident. I ended up being one or two days late on several payments due to the timing of the fraudulent activity, and it has since negatively impacted my credit score. 

I realize now it was not my bank who was at fault, but Equifax, who decided to just now make this breach information publicly available. My bank still has not resolved my fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my report with Equifax that is not mine. I have fought the account for years but it is now back. I sent through certified mail a letter to the creditor asking that the debt be verified yet again. They signed for the letter but did not provide verification of the debt within thirty days. Both XXXX and XXXX investigated the dispute and removed the account when it could not be verified through their dispute process. Equifax refuses to remove the account after two disputes including copies of the letter and the signed certified mail receipt. I called Equifax yesterday and I was hung up on twice. A supervisor told me in a dispute, they only verify name, social security number, and birth date not the validity of the debt. I told them the company couldn't verify the debt therefore it had to be removed. He told me it was so old or would fall off in two months any way. This tradeline that isn't mine is keeping me from getting a mortgage loan. Equifax refuses to listen and just keeps saying my information was verified. Yes but not that the loan was actually mine. Equifax is horrible and in control of everyone 's lives and they shouldn't be because they are incompetent. This complaint is against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$400.00}.