23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A payment was made with my credit card to a roofer merchant. 
The service was not provided and I have submitted clear proofs to that ( pictures and contract ). 
Chase has refused to look at the proof provided and has dismissed the dispute based on no reason. 
I demand a fair and honest process to resolve the issue
Product: Credit reporting or other personal consumer reports

This account has a late payment XX/XX/year> which is inaccurate as it does not show the account balance, payment date, and amount paid. The other payments that are correct do not reflect the amount paid month by month, this is inaccurate. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payment of the following account : XXXX XXXX Number XXXX.
Product: Debt collection

I rented a room at XXXX XXXX XXXX XXXX Mi from XX/XX/XXXX - XX/XX/XXXX The state of XXXX XXXX  XXXX XXXX XXXX XXXX states that I was served court documents to an address I had not reside at since XX/XX/XXXX and on a date I live in work in XXXX Michigan. 

I moved to XXXX Mi in XX/XX/XXXX reporting for my tour of duty XXXX.
Product: Debt collection

XX/XX/2019 I received a collections account from XXXX XXXX  for " XXXX XXXX XXXX XXXX. XXXX for the amount of {$810.00}. I have no knowledge of this practice or doctor as I have never seen them before. I have tried to dispute it several times through XXXX and XXXX XXXX but have failed to have it removed. I have reported it as fraud and identity theft. I have also contacted XXXX XXXX and sent in for a dispute with them as well. When calling the number for " XXXX XXXX XXXX XXXX. XXXX '' you hear what sounds to be a child saying if you're calling for the doctor this is no longer their number and to leave a message. There are also numerous reviews on XXXX and the XXXX reporting the same fraud issues.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for the  3rd tim e and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.
Product: Credit reporting

Transunion received my certified request on XXXX XXXX, 2016. My formal written correspondence requested that Transunion provide physical verification of the original signed customer contract for the item XXXX Child Support Enforce as required by federal law according to the FCRA section 609 ( A ) ( 1 ) ( A ), Transunion is required to provide documentation of all accounts posted to my credit report upon request or the items need to be removed from my credit report immediately. On XXXX/XXXX/2016 Transunion provided an updated copy of my credit report saying the information has been updated, however the information has not changed. This item is not reporting accurately and needs to be removed immediately as this is causing credit to be denied. 
The tracking number is XXXX, if this matter is not resolved immediately I will have no other choice than to bring Transunion and XXXX XXXX to small claims court seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted four letters to XXXX XXXX XXXXXXXX  Equifan. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. 
XXXX has me at a credit score over 710. Transunion has me at a score around 660. That is a huge difference. Transunion paints me as a Bum. XXXX say I have good credit. What the heck is going on here. 
Have have almost no debt. ( I prefer debits cards. ) I have a perfect repayment record. 
I have very low credit utilization. 
I have XXXX negative credit items outstanding. 
I have modest but ok income. Social Security. 
Something is wrong with Transunion. I do not understand why they are abusing consumers. 
I did try to get a " free '' credit report from Transunion. This was a fist step towards attempting resolution. They charged me XXXX without my authorization. They refused or were unable to refund. I had to reverse the payment through the credit card company. That was after attempting to contact Transunion more than 10 times. 
Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report in XX/XX/2018. I noticed that Phoenix Financial Services had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Phoenix Financial Services ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Phoenix to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Phoenix has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, timely and verifiable information. Per return receipt ( see attached ), Phoenix received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Phoenix is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

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

Chase charged me a {$10.00} cash advance fee to send {$5.00} to XXXX. Legal, no doubt, but a bad, customer-unfriendly practice. Obviously a junk fee.
Product: Debt collection

XXXX XXXX has been harassing me, sending me false statements since XXXX of XXXX. This was my second mortgage servicing company. 

This is past the statute of limitations and they have violated several federal consumer protection laws, including the Fair Debt Collection Practices Act and the Truth in Lending Act as well as state consumer protection law. 

I sent them a cease and desist letter XX/XX/XXXX, through email and told them to contact my attorney. They know I'm in a lawsuit with the lender ( zombie mortgage ). 

However, they are now sending a monthly false statement after not sending monthly ( periodic ) statements for 13 years. The statute of limitations in Florida is 5 years past default. 

In XX/XX/XXXX, they added an additional {$30000.00}. In XXXX, they added an additional {$10000.00}. The loan was charged off in XX/XX/XXXX and the loan holders are not entitled to interest payments stemming from the years when I did not receive periodic statements. In addition, the note was canceled in XX/XX/XXXX and reduced to a judgment. It forced me into bankruptcy since I was a single mother with low income. 

" Amendments to the TILA periodic statement rule were designed to prevent the surprise appearance of a long-dormant second mortgage together with unexpected claims for years of accrued interest and fees. ( Reg. Z, 12 C.F.R. 1026.41, implementing 15 U.S.C. 1638 ( f ) ). Under the rule, servicers must keep borrowers informed about the status of a second mortgage, including whether it has been charged-off or re-activated for collection, as well as who currently owns the loan and how to contact appropriate parties for up-to-date information. The rule requires heightened periodic statement disclosures when the loan is in arrears. TILAs Periodic Statement Rule and the Bar on Collection of Interest and Fees on Charged-Off Mortgages. '' ( NCLC ) They DID NOT do that, plus the note doesn't exist! 
Their harassment is causing me much XXXX, more financial issues, sleepless nights and health issues. They, and others like them, are harassing people who have survived the last XXXX XXXX, covid, losing many loved ones, the current inflation and they want to steal our homes. The banks caused the last recession with unfair and deceptive tactics and now they're doing it again. They hit mostly low income struggling families who can't afford to fight them and will lose their homes, health and maybe even life.
Product: Credit reporting or other personal consumer reports

As of today,XX/XX/2024, I received notification from XXXX that the information contained in my credit report regarding Freedom Mortgage is accurate following a credit reporting dispute. However, I have communication from Freedom to the contrary. No foreclosure action has been initiated on my account. Furthermore, my account was current up to XX/XX/2024 per communication from CalHFA in XX/XX/2024. I do not believe that XXXX investigated my dispute. XXXX continues to obstruct my right to dispute the information contained in my credit report. This is not the first occurrence. I have not received any evidence of a valid investigation. Furthermore, I no longer feel comfortable providing additional information to XXXX for a reinvestigation in light of how my previous disputes have been handled with Freedom and other creditors listed in my credit file. This continued practice is in violation of the FCRA and does not promote accuracy, fairness, nor protect the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Your assistance, implementing proper enforcement and achieving a fair resolution are greatly appreciated.
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/01. They are attempting to collect a debt on behalf of PayPal. XXXX XXXX phone number is XXXX. Their reference number is XXXX. They provided the last XXXX digits of the PayPal account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called XXXX XXXX to inquire about this. I have never had a PayPal account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called PayPal and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both XXXX XXXX and PayPal clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.
Product: Mortgage

I over nighted a check to this company from an insurance claim. They stated In would get a partial draw on XX/XX/XXXX but never sent it. They also stated I would get a partial draw around the XXXX of this month ( XXXX ) and never received one. Then I received a call on XX/XX/XXXX stating I would get a full draw and they would send it XXXX day air. I never received it. I called back to check the status on XX/XX/XXXX, XXXX days after the last promise, and was advised it was never sent out at all. The loss drafts rep said she contacted a XXXX and stated they " will take care of that today. '' So it has not been sent to me as promised l. I then requested it be over nighted as this was yet again their error and she said it will be XXXX day air but that she can request it be overnighted. I have yet to be able to pay any contractors due to the negligence of Mid America Mortgage. I submitted this check to them on XXXX and they received it XXXX but did not log it until XX/XX/XXXX and also refused to send me the check they owe me and it has been over XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
Product: Checking or savings account

I am a customer at Bank of America and my Debit card has been hacked and i had to call them straight away. They came back to me asking for papers and receipts ( I was hacked ) which completely illogical. Ive talked to them for that matter but no one helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, XXXX, Experian ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Product: Credit reporting or other personal consumer reports

Equifax has not notified me about the results of the dispute to validate the accuracy and completeness of the XXXX XXXX XXXX account. Tracking # : XXXX. In the dispute, that is also attached to this complaint, I requested Equifax to mail me the documents used to validate the accuracy and completeness of the XXXX XXXX XXXX account. Equifax has failed to do so. I stated if Equifax validated the accuracy and completeness of the XXXX XXXX XXXX account without sending me the documents used I will report Equifax to the Consumer Financial Protection Bureau and file a lawsuit against Equifax for mental and physical damages brought about by this harmful account. CFPB, please hold Equifax accountable.
Product: Credit reporting or other personal consumer reports

After taking a look at my credit profile I noticed some inquiries that are not mine
Product: Credit card or prepaid card

I have had a account with NetSpend they have frozen my funds on all my accounts saying I am dead and will not give me access to them. It ALSO locked me out of my PayPal account also.
Product: Credit reporting or other personal consumer reports

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely
Product: Credit card

We were on a cruise ship and purchased a large quantity of artwork from XXXX XXXX XXXX during our cruise on the XXXX XXXXXXXX XXXX between XX/XX/XXXX and XX/XX/XXXX of XXXX. We were told we qualified for deferred interest free financing on the {$15000.00} balance through Synchrony Bank and we would simply take the balance and divide by 36 and owe that amount each month to Synchrony Bank In looking at the account we now see where we are being charged a 2 % one time promotional fee on each piece of art. We were never informed about this when purchasing the art and doing the deferred interest free financing arrangement.
Product: Credit card or prepaid card

On XX/XX/XXXX my computer was hacked into by a guy claiming to be from XXXX and wanted to fix a virus I had on my computer. At the time I could not get out of the computer so he took control of the computer only for me to learn he had fraudulently hacked into my debit bank card, my XXXX credit I had and all in all charged off over {$1200.00} in purchases. 
I was able to claim back from XXXX the credit I had there, as well as other charges he had done but the one charge i never recouped was with Western Union and that was a {$430.00} charge or money sent. 
That money sent I learned was to a XXXX XXXX in the XXXX, NY and was picked up at XXXXXXXX XXXX on XX/XX/2018. 
I have spoken to the supervisor XXXX with Western Union butr he claims to still be working on the case. 
The debit card that was used was # XXXX. That card was shut down by my bank, XXXX XXXX as a result of this fraudlent activity. The bank claimed it was my fault. 
The tracking number on the transfer was XXXX. I contacted the Sheriffs Dept and filed a complaint.

The phone number for the Western Union Manager XXXX was XXXX Opt XXXX. 
I do not know a XXXXXXXX XXXX and I did not authorize the transaction and I feel i am owed that {$430.00}. 
Western Union has not helped me in tracking down the guy that did this. I need that money desperately Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX & XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEMEN COLLECTION/CHARGEOFF {$2400.00} Payment Status Collection/Chargeoff Account Status Derogatory Date Reported XX/XX/ MIDLAND CREDIT MANAGEMEN COLLECTION/CHARGEOFF {$3600.00} Date Reported XXXX XXXX XXXX  Account Status Derogatory
Product: Credit card or prepaid card

On XX/XX/2022, my XXXX  XXXX XXXX and I bought furniture at XXXX XXXX in XXXX XXXXXXXX, XXXX Their financing - XXXX free of interest was through Wells Fargo XXXX 
We signed up to receive online statements and also received cards from the bank. Didn't think about anything wrong, as our first statement ( Attached ) indicated the terms and conditions for which we were purchasing furniture. Interest FREE for XXXX. Well, I trusted the system, only to find out that we have been charged interests since XX/XX/2022 and because statements were sent online, I didn't notice until now. 
I called them yesterday and was given a Claim # XXXX. I submitted extra documents today but I feel strongly to submit this claim so people are aware of my situation with tis notorious bank robber - Wells Fargo. Always misleading customers and abusing their financial power.