23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX XXXX and carbon copies to TransUnion and XXXX requesting the following : 1. Documentation verifying that I am the debtor, such as a copy of the signed contract or any other agreement showing my responsibility for this debt. 
2. Account details and transaction history, including a complete payment history, the original balance, and any fees or interest that have been added. 
3. Proof that your agency is legally authorized to collect this debt, including documentation of your legal standing as the debt owner or the collector on behalf of the original creditor. 

On XX/XX/year>, I received by mail a copy of a billing statement from another company not them or any other document requested. I explained this to Trans Union and XXXX Credit reporting that they were reporting erroneous, negative, information. No response and it is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several supporting documents to innovis for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ordered furniture from Ashley home store in XXXX XXXX store in XX/XX/2020 - we receive approximately XXXX or more delivered dates - which all have been cancelled by Ashley, and now i beening told it may be delivered in XX/XX/2020 - i have no confidence this will occur - I have no couch to sit on and they want me to pay 10 % for no service, cancellation fee, Ashley furniture failed to fulifill their end of the contract, I able a student at XXXX and unable to enjoy apartment with no living room furniture and guest from out of town and they want me to continue to believe they will delivered, this is not reasonable to ask a person to have no furniture and continue to wait months and months and pay a 10 % fee for cancellation for nothing, I would like to cancel this contract with no penalty and to find a furniture store that can delivered within a reasonable time frame, I have waited on the phone for corporate for hours and no answer - this is poor business practice and I would not recommend this store to anyone, I am a student with dealing with this current panademic, this corparation is taking advantage of the situation and consumers. XXXX XXXX XXXX XXXX or XXXX XXXX email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze with all three credit reporting agencies about two years ago when I was a victim of Identity theft. Two of the agencies removed the freeze at my request as I'm applying for a mortgage. I've called equifax 4 times in 3 days. First time I'm told all systems are down and its not possible to life the freeze. 2nd call, someone who can not comprehend the english language starts asking me questions and can not clarify the question but they don't ( per what they said ) can only state what the computer screen tells them to say. The security question they ask " what is the monthly credit card payment? '' They can not tell me which credit card they are referring to, and as I advised them, they should know that a monthly credit card payment varies every month depending on usage. Then they ask me if I have ever had a bank, auto or student loan and who was the lender. I advised what time period as I've had multiple ones of all three types. They could not answer because they say " what appears on my screen. ''
Product: Debt collection

XX/XX/2019 first investors gave me a balance of XXXX for refinancing my loan from Santander USA which was a illegal loan. The amount is inaccurate because its the same amount I originally purchased the vehicle for.
Product: Mortgage

We received a rate adjustment notice on XX/XX/year> and we have verified all the details of this change, except : Date chosen for XXXX  30 Day rate as applied. 
The rate chosen represents about the highest rate possible during this era. It is 5 months from loan initiation, and we are inquiring why this worst possible date was used for our account. For instance, XX/XX/year>, at 6 months from loan initiation would be XXXX instead of the chosen rate of XXXX. 
We posed this to XXXX, your representative, and she suggested this letter as she was unable to find an answer. 
We look forward to your response, and thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through Equifax and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( XXXX XXXX ), they said to dispute through Equifax. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!
Product: Debt collection

XXXX XXXX XXXX stole {$1200.00} from me. After I moved out they continued to send to me invoice logs that were incorrect. I corrected them multiple times to tell them that debt was not mine. They continue send me invoice logs with different amounts due. I gave them my lawyers information multiple times and they failed to reach out to him or his office. they falsely added things onto the invoice that were not accurate and when I requested the documents to prove the charges were incorrect they failed to send them over. They then sold my private information, including my contact information to HunterWarfield debt collectors and gave them permission under my name to contact me via phone and email. they failed to personally send any notice that this false debt was going to be sent to collections. They failed to respond with accurate information regarding the debt they are claiming is mine. XXXXXXXX XXXX XXXXXXXX also charged me for having a valid and registered XXXX, which is illegal in XXXX, although the proper documentation was provided to them for the animal. XXXXXXXX XXXX XXXX tried to charge me for the cleaning services that they are legally required to provide in-between tenants. XXXXXXXX XXXX XXXX attempted to charge me for a stove top that was broken due to no fault of my own and they failed to replace it for 3 months until I threatened legal action due to it being unusable. They failed to ever send a notice that I would be charged for this and I was unaware until after I moved out of unit and they sent me a long fraudulent invoice. XXXX XXXX who is a property manager at XXXX XXXX XXXX took my ability to pay online away after I had been paying that way for 2 years. She then continued to charge me late fees due to having to pay via money order and multiple locations not being able to consistently provide money orders. I also travel for work and I did not have a bank where I was able to take out all of the cash required for the money order due to ATM restrictions. This was communicated via email to XXXX and XXXX multiples times. They failed to fix the option for online payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an XXXX XXXX  visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX  and XXXX  and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  ( Account # XXXX  ), has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am contacting you again after a first complaint and response, because to this day I still have not received the money from my blocked wise account in my bank account. 

On XXXX XXXX, I received an email in response to my complaint, stating that the money in my account would be refunded to my bank account after 60 days. 

More than 60 days have passed and still no email from Wise and no refund.
Product: Debt collection

I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed XXXX and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems XXXX XXXX. Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either XXXX. They say that it was last reported XXXX 2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681c1 Companies committing this crime of sharing my personal data and information without my consent. this has affected my credit negatively and I would like to have this wioed from my credit
Product: Vehicle loan or lease

Purchased new vehicle and requested to have credit life and disability added to the loan however, dealership said this is not an option since i am in the military. Was told that the SSRA ( Soldiers and Sailors Relief Act ) prevents them from offering this product to me. Advised dealership that this only applies to active duty military, which I am not. I am a XXXX in the XXXX XXXX XXXX XXXX. Dealership also kept my warranty cancellation refunds and charged additional monies to the loan. Although I have a credit FICO score of around 780, i was still charged a 5 % interest fee on the loan
Product: Credit card

Subject : Complaint Regarding Closed Account, Denial of Credit, and Request for Consumer Report To Whom It May Concern, I am reaching out to seek assistance regarding a recent issue with Synchrony Bank and my Care Credit account. I am experiencing challenges in obtaining clear answers about my account status and subsequent denial for a new credit application. 

Background : On a recent application for a Care Credit card through Synchrony Bank, I was denied with the reason stated as : " You had a credit account recently closed by Synchrony Bank. '' The account in question was my previous Care Credit account, which was in good standing, fully paid off, and had no late payments. However, my credit report indicates that this account was closed " at the credit grantor 's request. '' Actions Taken : I contacted Synchrony Bank to inquire why my previous account was closed and why my new application was denied. Unfortunately, the bank representatives were unable to provide a satisfactory explanation. 

On XX/XX/year>, I sent a formal written request to the Bureau of Consumer Financial Protection for a free copy of my consumer report to verify any inaccuracies or incomplete information. 

I received a response from the Consumer Financial Protection Bureau on XX/XX/year>, stating, " We reviewed your correspondence and found that we could not take additional action. ''
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

A new auto loan was made on XX/XX/2015, ( I am the co-signer on the loan for my daughter ) The first payment was due on XX/XX/2015, that payment was made and since that time there has been 24 payments made all together. When she would make the payment at the local bank, she always asked if there was anything else she owed, and was always told no, the account was current and in good standing. A couple of weeks ago she was told she owed over {$200.00} in late fees and had to pay two months worth of payments.

She went in and paid {$200.00} in late fees and two payments totaling {$800.00}, even though she was not late and recieved no explanation as to why she owed this money.
Product: Debt collection

I do not owe this debt. Apartment rent was paid in full, lease was expired and apartment was left in good condition. I paid a deposit which should have covered any normal wear and tear that the apartment wanted to charge for.
Product: Money transfer, virtual currency, or money service

On XXXX I reached out to cash app via chat to advise of unauthorized charges after phone was stolen. I went thru cumbersome process of selecting multiple payments to same merchant one by one. I was then advised to reach out to merchant, which I did. After back and forth emails with merchant they first agreed o didnt have an account and then later denied to reverse charges. After contacting cash app back I went through the individual selection of transactions again over a series of days XXXX. On XX/XX/year>, and XXXX cash app refunded some but not all of the transactions. During this time they also closed my account stating I violated the terms of service. I have contacted multiple times regarding the closure and application of a provisional credit and havent been able to get anywhere with them.
Product: Debt collection

Navy Federal Credit Union took money from my account that had just been opened after NOT allowing me open after 28 years. I had a BK in XXXX  that was discharged from XXXX county. I had two items with NFCU, a consolidated loan for approx 18K and apparently a visa that had a balance of approx 4300. For the past 28 years Id been trying to re-establish credit and was never able to open an account online. No one at NFCU could ever tell me why not. In XXXX of XXXX, a rep finally told me it appeared that a there was a block on my account due to some uncollected debt. I had explained that was part of the BK back in XXXX, she said oh no problem, Ill eat the BK dept know I had also asked if any money would be taken if I began to deposit money and she said not, its been cleared up. Well, I began to transfer money and once I hit about XXXX dollars in the account, two week later NFCU debited my account and said it was for the uncollected money from this visa. I had begged and pleaded telling them I had the case number, the date of the BK and that money was not theirs to take, it was part of the discharge in XXXX. They said they saw the BK filing, but dont have anything on file that shows it was discharged. I asked them to try to find the consolidated loan as they didnt collect for that one. If they could find the old records on that account, theyd see it was all part of the same BK. They could not locate the other loan, they said they had no record of that other loan at all. In my opinion, thats because it was DISCHARGED. I have written to the president, XXXX XXXX who just forwarded my information to the BK department but the BK dept is not willing to release my money back to me. Its been 28 years, they have never made an attempt to collect this money, I was never notified I still owed this, had that been done properly, I could have provided the proof way back in XXXX. They took my money and I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still incorrect information on my consumer report I never went by the last name listed. The name does not match my identification and leaves me open to identity theft.
Product: Debt collection

This complaint is in response to the attached letter provided by XXXX XXXX in which XXXX XXXX advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge XXXX XXXX to provide such proof. Such proof does not exist. 

XXXX XXXX must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to Senator XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold XXXX XXXX accountable for consumer fraud activities by deliberately passing a business debt for personal debt.
Product: Mortgage

We filed for a V XXXX A XXXX home loan and recived aletter from veterans united home loan of denial for the following reasons attachs XXXX and XXXX they said credit score had to be XXXX XXXX XXXX XXXX said my report was XXXX and my wifes was XXXX we bought XXXX vehicles from XXXX for the amount of XXXX dollars. these people say we have collections and derogatory public records and we do not have either. Also they are using a gov name that they should not.To my and a lot of Veterans these people are a fake none of them are for Veterans of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately!

Please investigate and provide proof on how this account was verified. and delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.