23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, purchased two electronic books and unable to retrieve the books for flipping of pages. I stayed on the phone trying to get resolution. But I now want a refund as I am unable to utilize the books electronically. At this point I attempted to reach out but no response and I want a refund for the purchase. I thought the books were able to heard audibly so I want to return order XXXX. I was told I could not make it audible so I want to return the electronic one, If I can not listen to the book then I want to return it
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent pull of my credit reports from the credit bureaus my Mortgage with XXXX does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about XXXX not reporting the correct information within months all information disappeared of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX BANK XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXX/Experian/XXXXXXXX XXXX credit reporting agency XXXX These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, Teletrack, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Debt collection

On XXXX, I tried disputing this with the debt collector. The amount involved was {$2500.00} * Date : XX/XX/XXXX - XX/XX/XXXX XXXX Amount : {$2500.00} Actions Taken by Me : On XX/XX/XXXX, I contacted the companys customer service via online chat to report the issue. I provided all the necessary details. But they were not able to give me any details. 
Follow-Up Communication : After not receiving a satisfactory response, I followed up online on XX/XX/XXXX and followed up again XX/XX/XXXX. I reiterated the issue and requested a resolution. 
Actions Taken by the Company : No response from the company Current Status : No response from the company
Product: Checking or savings account

I opened this account last week and all the transactions I made except for direct deposit are all under {$100.00}. The bank kept blocking my account for every activity. I've went to the branch as they required multiple times. Last Saturday, I tried to XXXX about {$25.00} to another account of mine. Their APP said there's some fraud issue and asked me to call their fraud department. I called and an agent called XXXX picked up the call. I called their department before and all their other representatives only asked me about 5 questions and would unlock my account. But that XXXX asked me 30-40 questions and most of them are repetitive. For example, she asked me where I opened this account and I said online. And after 1-2 questions, she asked that question again. When I told her I already answered that question, she just said something like " oh I don't have the answer. '' And after I answered all her questions, she put me on hold for 10 minutes and did nothing. After that, she blocked my account for no reason and hanged up the call. I went to the branch today and the lady in the branch told me that my account was under investigation now. It's ridiculous.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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
Product: Debt collection

On XX/XX/2018 I was contacted via telephone from a number showing as XXXX which I was able to determine belongs to Receivables Management Partners. The female caller did ask for me by name but said she needed to verify me by my phone number and/or address. I refused to offer this information to a number and/or party that I do not know. The representative then threatened to call my employer and hung up the phone. At no time did this company say who they were collecting a debt for but instead asked for information that could be used for ID theft.
Product: Credit reporting or other personal consumer reports

The information on credit report is incorrect and not accurate it is only showing the name of the account XXXX XXXX XXXX XXXX credi.account number # XXXX
Product: Mortgage

I recently received my " annual escrow account disclosure statement account history '' document dated XX/XX/XXXX for the escrow period from XX/XX/XXXX through XX/XX/XXXX. 

I recently reviewed the document and noticed that my payment for the month of XX/XX/XXXX is not incldued in the past payments history for payments to escrow. I made the payment and the statement indicates a payment in the amount of {$260.00} was credited to escrow in that month. It is not clear in any mortgage statement related to this account, from XX/XX/XXXX through today, that the XX/XX/XXXX escrow payment was reversed or where it may have went. 

In addition, the amount anticipated owing to County of XXXX taxing authorites for property taxes is incorrect. The amount to be paid no later XX/XX/XXXX and following is {$1300.00}. You ( and I ) were notified of this increase prior to your preparation of the current escrow disclosure statement and it should be reflected in the anticipated payments section of th disclosure document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have chase credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by jared-gallery of jewelry. If I paid it off they would remove form my credit report. I paid in full and its still there. I have made many calls to them
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX account number : XXXX, XXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX account number : 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 reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XX/XX/year> -- {$150.00}
Product: Debt collection

I have no idea of charges nothing file by XXXX  at XXXX XXXX XXXX court to call XX/XX/2020 XX/XX/2020 no change in the report this a fraud by the XXXX  and Collection Agency theft by deception.
Product: Debt collection

XXXX XXXX utilizes a third party collection company known as AllTran Financial based in XXXX, Texas. AllTran financial represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by XXXX XXXX will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and XXXX XXXX is using a third party to avoid the regular banking rules and laws established by the United States Government.
Product: Mortgage

On or about XXXX of XXXX I became a senior citizen and my property tax where frozen. The BANK continues overcharging me on my escrow and had increased my payment every other month. The Bank XXXX was not happy with me questioning the escrow to the point where we prove the mistake and gave me the excuse that I had some expenses paid back in XXXX. In XXXX I did not have an escrow with XXXX and therefore couldn't have any expense on my loan. The bank got upset and they did nothing but sold my loan to a servicer known as XXXX and then Carrington Mortgage services. 
Today Carrington Mortgage Services has my loan but for the past 4 years, they have committed predatory practices to make me late on my escrow account and be negative and then take me to foreclosure court. They also have bogus charges on my mortgage statement such as " overdue payment '' of {$75.00} and I never been late in my payments. I have explained to them I'm sending {$37.00} dollars extra on my payment and I'm still negative on my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX. XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE accounts listed below are fraudulent and are destroying my financial life ... I have submitted all the proper documentation to all 3 bureaus proving that these items are fraud yet the bureaus fail to follow the rules set forth by the FCRA section 605B when it comes to fraudulent accounts ... PLEASE BLOCK AND REMOVE these accounts immediately! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : US DEPT OF EDXXXX # XXXX {$140.00} XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$160.00} XXXX XXXX XXXX # XXXX {$720.00} XXXX & XXXX # XXXX {$1000.00} XXXX & XXXX # XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DPT EDXXXX # XXXX {$0.00} US DEPT ED # XXXX {$0.00} XXXX # XXXX {$1200.00} 10 XXXX  XXXX  XXXX {$160.00} XXXX XXXX  XXXX  XXXX  # XXXX {$1000.00} XXXX XXXX  XXXX  XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX # XXXX {$720.00} Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DEPT OF ED/XXXX  # XXXX {$0.00} US DEPARTMENT OF EDU # XXXX {$0.00} XXXX XXXX # XXXX {$1200.00} COLLECTIONS # XXXX {$120.00} COLLECTIONS # XXXX {$720.00} COLLECTIONS # XXXX {$690.00} COLLECTIONS # XXXX {$130.00} COLLECTIONS # XXXX {$180.00} XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Product: Debt collection

Portfolio recovery Sued for debt without notice Sent all documents to wrong address Court has ruled in favor of garnishment I never I never had a chance to represent myself
Product: Debt collection

Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts to all 3 bureaus to clean derogatory and false information. I've mailed several letters, paid postage via certified mail, made several phone calls, to all XXXX bureaus since the year XXXX all to have the same items and addresses still show on my credit report. Letters I've sent a few times didn't receive responses. i reported fraud and also filed a police report back in XXXX due to suspicious activity with credit reports. XXXX has had a data breach that I feel I was affected by. I am currently homeless and cant seem to do anything financially due to derogatory remarks and items being reported that I have asked to be verified all for them to take forever to respond and then for these items to come back as verified all because the so called creditor may have found and use a current address in attempts to validate the debt. I've surrendered over several peices of of substantial evidence that backs my claims but no fair justice has taken place. Reps for these bureaus who are working from home most of the time has offered little to no help or information. Etc., etc., etc.
Product: Vehicle loan or lease

Us Auto Sales offers a referral program of {$200.00} for each customer that purchases a car based on you referring them. I purchased my vehicle in 2019 and referred a co worker who bought a car also and US AUTO has been giving me the run around and making false promises that the check is in the mail.
Product: Credit card

I have cancelled a creditcard issued by Bank of America the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Bank of America, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a copy of my credit report where I found several error I called the credit reporting company as was told I couldnt dispute several items this is a violation of my consumer reporting rights Accounts in questions are below along with the errors 1 ) XXXX  XXXX XXXX Account status states 62 to 90 days this is not true account was always paid on time and the history listed on the reports shows on time payments the account status is clearly a error 2 ) XXXX  XXXX XXXX XXXX # XXXX Account status shows 120 days this is not true please verify account balance and history 3 ) XXXX # XXXX**** Balance shows zero history shows paid and closed however account status states 61 to 90 days Please correct Also I didnt and have not applied for credit with following companies and wish to have inquiries removed ASAP XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I disputed a charge with Citi Bank credit card double cash ending XXXX for the amount of {$74.00}. The dispute ID is : XXXX. 

I did not receive the merchandise and after I failed to resolve the matter with merchant, I disputed the charge. 

Citi bank only informed me that merchant stated the merchandise was delivered. However, delivered didn't mean received. The merchant has failed to provide any evidence that I received the merchant. The only reviews indicates there are problems with the merchant 's customer service. 

Citi bank has failed to provide the merchant 's response to me even thought I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had an auto loan deleted from my credit. Now its XX/XX/XXXX its still reported on my credit as not been deleted
Product: Student loan

My student loan started out to be {$32000.00} with XXXX in XX/XX/XXXX. My loan was transferred to Navient several years ago. However, even though I have made payments, the amount I owe now is {$41000.00}. I did request a forbearance, and did not start making payments until XX/XX/XXXX. However, that is still eight years of payments, with the amount I owe continually going up. I work for the XXXX XXXX, so if I had known about loan forgiveness after making payments for 10 years, I would have done so. I have also been confused how Navient applies my payments. Apparently, Navient charges interest on a daily basis which is why myself and others like me can not make a dent in the actual amount of the loan. I recently started making additional payments, but it does not seem to make much of a difference. Today, I contacted Navient, and I requested to have the amount I pay over the loan payment to be applied towards my principal. I was told that I could not do that, that Navient pays the interest first, and then applies anything else to principal. This is when Navient informed me that I am charged interest on a daily basis. I believe it is illegal for Navient to tell me that I can not apply my overpayment to my principal. For reference, my loan # XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 16 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to permanent XXXX. The new accounts reflect current and a 0 balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Transunion on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. These accounts need to be removed.