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

On XX/XX/XXXX I submitted a payment of {$1200.00} to XXXX XXXX XXXX. This payment cleared by the XXXX. They are incorrectly reporting that this payment was over 30 days late pulling my Credit score down. They also did this in XXXX of XXXX. We have called them countless times about this issue, sent emails, and even sent certified letters in the mail and they refuse to correct there mistakes. 
In XXXX of XXXX XXXX also claimed we had no home owners insurance since XXXX of XXXX and that we were going to be charged a fine for this and we had 30 days to get insurance. We thought this was incorrect but got new home owners insurance which was effective XX/XX/XXXX. Then around XX/XX/XXXX XXXX  decided they were going to take out there own policy on us with our permission. So they caused us to have 3 active policies, and be charged a fine which sent our escrow plummeting. We contacted them to fix this and they still havent so we are paying an extra XXXX $ a month due to there error. 
Due to there repeated XXXX ups we are unable to get a new loan and are going into debt trying to keep up with the money they say we need to pay caused by the mistakes they made.
Product: Debt collection

The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

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

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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: Debt collection

XX/XX/XXXX XXXX XXXX XXXX filed a petition ( law suit ) in the XXXX XXXX Texas county court, claiming I owed a debt to " Citibank ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX XXXX XXXX XXXX filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

XXXX XXXX XXXX is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute for further assistance regarding some inaccurate information and accounts showing on my credit report. I have notified Experian of this matter. I have provided proof of this items being removed from the other credit bureaus as well.
Product: Credit card or prepaid card

Some person opened a Destiny Master Credit Card in my name on XX/XX/XXXX. I never opened an account with Genesis FS Services. I get a lot of mail with credit applications but throw them out in the apartment garbage bins. It appears someone went through the garbage and stole my identity to make purchases that were unauthorized and fraudulent.Genesis FS Card Services is the name of the issuer I spoke with Day, XX/XX/XXXX, This jyst came to y knowledge as I was texted a bill for credit services I never applied for.
Product: Debt collection

XXXX XXXX of Michael Haynes & Assocites XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX / XXXX from either phone number listed here has been calling my business and harassing for some time, but he now is calling my mother in law who is XXXX and harassing her to get in touch with me ( not sure how he got her number ) talking nasty and very unprofessional. This debt he is talking about with XXXX was discharged in XXXX 2005 when a company I owned went under also causing me to file bancruptcy personaly I tried to explain this and it turned into an arguement. With him yelling that I was going to pay this XXXX debt no matter what. I have filed compliants with the XXXX attorney general as well as XXXX attorney general. Does n't seem to be getting anywhere.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. My information is being furnished to third parties who are non affiliates of XXXX XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I am now aware that XXXX XXXX XXXX XXXX XXXX are furnishing my information to credit agencies. XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I did not consent, agree, or give instructions to XXXX XXXX XXXX to give my information to credit agencies the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information nor my written consent. Any and all authorization to Transunion and XXXX, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX, never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of XXXX XXXX XXXX XXXX XXXX XXXX  reporting services.
Product: Credit card or prepaid card

I am refiling this dispute because after I filed it the first time, the credit card company denied my dispute for the exact same reason they initially denied it -- it was denied because the credit card company says that the chip and card were in my possession. 
However, the fact that the chip and card were in my possession does not mean that fraud did not occur. So here is what happened : I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX  XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur but the credit card company ( TD BANK ) keeps denying my dispute for that reason. Did they ever try to find out if this merchant that made the charge is legitimate because it isn't. In fact, I have tried to contact this merchant and THE MERCHANT DOES NOT EXIST! I am dissatisfied with TDs response to my dispute and would like TD to reopen the case and try to contact this merchant because if they do they will see that the merchant does not exist. THIS WAS FRAUD. The fact that the card was in my possession does not mean that the transaction was made by me. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I had perfect payment history, they got new hires and new management and one of their new hires leaked my personal I formation and account information to a stranger on the internet who I didnt even know who they were. When I called the store to ask about It and get clarification I was told Id be called back because I wanted a settlement and be done with them due to my personal information being given out and privacy laws being broken. I never heard anything back about a payment or about the situation. Now I got a call from an attorneys office stating they are trying to serve me with legal paperwork for the remaining balance. Western Finance in XXXX Texas are unprofessional, leak personal data and information and do not communicate at all.
Product: Money transfer, virtual currency, or money service

Hello A transfer was made to a non-existent or closed Citibank account which was linked to my XXXX XXXX savings account in error. I submitted multiple requests to reverse this ACH transfer at both Citibank and XXXX XXXX, but no one has been able or willing to assist. 

Full details of the transaction are below for reference : Citibank Account Number : XXXX Citibank Routing Number : XXXX ACH Trace Number : XXXX XXXX XXXX Originating Account Number : XXXX XXXX XXXX Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} XXXX XXXXXXXX has confirmed these transaction details but Citibank has been unable to locate the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Accoutn name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # 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 an 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, 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: Debt collection

Collection Company on credit report named as : XXXX XXXX XXXX XXXX XXXX. 
Ste : XXXX XXXX, FL XXXX XXXX XXXX Original lender : Medical Age of account : 2yrs 3 mths Balance : {$75.00} Since XX/XX/2018 to XX/XX/2018, has not been able to make contact via certified mail, phone, fax or email
Product: Bank account or service

I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.
Product: Credit card

Early XX/XX/2024 Someone from Macy 's called me to inform me they notice some suspicious activities in my account when asked more details I noticed there's a lot purchases I never made nor authorized, I disputed those charges the same day She had told me Macy 's will investigate the matter after more than a month they send me a letter explaining to me because these transactions were made with my card even it wasn't me I'm responsible for those charges. The worst part about this matter they went above my credit limit, Macy 's let that slide I never have {$12000.00} credit limit with Macy 's, they let them buy {$9000.00} marchandises
Product: Credit reporting or other personal consumer reports

Accuracy The amounts, other than balance and/or past due, are incorrect. 
There were fraudulent charges made on this account. I have advised all credit bureau that XXXX XXXX a third party company trying to collect a balance that is not my charges. I reach out to XXXX XXXX who agree those charges are not mine.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX. I made a XXXX payment on line. I then called Customer Service to see if payment was complete. The rep said the payment was scheduled for the next business day. I related to her I need the payment to be accepted that same day for I could redraw {$250.00}. She took another payment and specifically stated the first payment that I made would canceled out that day. So they took to payments of {$300.00}. So they double dipped in my bank account for {$600.00}. I have not received my XXXX dollars that they owe me. It had really totally screwed up my bank account with the additional funds they withdrew from my checking account. I have proof of there error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
XXXX/XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX  to remove late payment to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue  however, I have not been successful.
Product: Credit reporting

I never gave XXXX permission to do a hard pull on my credit. I merely called to inquire about pricing. I also never gave them my SSN. Apparently they have it as I was a customer 10 years ago. They pulled my credit twice so far, on XXXX and then again on XXXX. I contacted Equifax to have the pulls removed. They went back to XXXX who claims they are valid. They are not. Equifax will not remove the pulls and this is hurting my credit score.
Product: Debt collection

Cbe group was notified by   XXXX   to cease collection activity but Che group is still reporting to   XXXX   credit bureau 's.
Product: Credit reporting or other personal consumer reports

This complaint surrounds " Ginny 's '' in XXXX  represented by XXXX of XXXX. I simply asked for a document specifying the date of payoff as XX/XX/2023 in the amount of {$590.00}. 

The aforementioned did comply, but the payoff information is still not updated on my credit report as paid in full. 

I simply want it updated ASAP.
Product: Debt collection

To Whom It May Concern, This is in reference is in response to the letter that your company sent me XX/XX/2023. In that letter, it was mentioned how you have violated the Fair Collection Practices Act ( FDCPA ). In response to that letter, your company replied that it is not governed by FDCPA because the same applies to the third-party debt collector and not the creditors.

I request you to stop sending me the statements and provide valid proof that you are a creditor. That proof should not include the Consumer Contract because as per the judgement in Pacific Concrete F.C.U. Vs. Kauanoe, the Consumer Contract is not sufficient evidence of a debt. Also, provide the audit trail of the transaction originated by you.

I am attaching herewith valid proof of you being a debt collector under the provisions of FDPCA.

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I filled a " fraudulent activity claim with " CHIME '' on XX/XX/XXXX. I complied with the information requested plus more by " CHIME '' My claim was denied multiple times. In 3 of my conversations with " CHIME '' I was sent to a supervisor in the fraud dept and these 3 supervisors upon investigation said that they have not even opened my supporting documentation. 

The only explanation given for denying my claim is " No errors found '' Even though I send all documentation plus to support my claim.
Product: Mortgage

I have two mortgages with SWBC, both adjoining properties. In XX/XX/2021 I noticed that my escrow payment per month has doubled. My property taxes did not double. Indeed, working with SWBC I was told in XXXX that both my property tax bills were assigned to both properties, thus each property is receiving two tax bills when they should only be receiving 1. Thus I am overpaying escrow by double each month, since XXXX. I have been in contact with SWBC in trying to resolve the matter, but each month they say they have fixed it and each month it is not fixed. I recently received a sizeable escrow overpayment for my first half property tax bill from my city.
Product: Debt collection

Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.