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

I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit card

I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a sprXXXXnt account back in XXXX which was paid in full. Now suddenly XXXX is reporting a collection account in my name recently. The information provided on the credit report is inaccurate. I did not have a sprint account In XXXX. I need this information removed immediately. And sprint has failed to provide documents showing I had a XXXX  account in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$370.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Product: Mortgage

For the past 2 years I 've been in the worst nightmare of my life with Wells Fargo mortgage. My home caught fire 3 years ago and my insurance company XXXX released a check for {$71000.00} that Wells Fargo has been holding in my restricted escrow. The balance of my loan is {$72000.00}. I have been begging and working with the executive office of Wells Fargo for nearly 2 years to try to get them at 1st use the funds to payoff my mortgage and I was told no got an entire year then they said they could do it, but I would have to give them {$18000.00} out my pocket that I do n't have. They offered me a modification twice and every time I called in to start making trial payments I was told the system offered me a modification by mistake! now I 'm asking them to let me use the funds to rebuild my home and offer me another streamline modification. They keep assigning my case to XXXX and her manager XXXX and they continue to give me wrong information and work against me! I just do n't want to lose my homebut they are determined to keep the money in my escrow and foreclose on my home. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Product: Debt collection

This is my XXXX time complaining about this debt that I do not OWE! I had an unverified debt from RECEIVABLES PERFORMANCE MANAGEMENT LLC ( XXXX ). XXXX XXXX... THIS ACCOUNT WAS ON A BUSINESS ACCOUNT THAT IS WITH A XXXX AND NOT IN MY PERSONAL NAME THE COMPANY IS XXXX XXXX XXXX XXXX. SECOND IT WAS A FRAUDULENT CHARGE THAT WAS BILLED TO THE COMPANY WITHOUT ANY verifiable ITEMIZED SERVICES OF PURCHASES/SALES ETC. UPON THE DISCOVERY OF THE ACCOUNTING ERROR I REQUESTED PROOF OF ANY ADDITIONAL TRANSACTIONS XXXX COULD NOT FIND ANY BILL OR REASON FOR THE RANDOM CHARGE OF {$370.00}. XXXX XXXX XXXX  MADE A REQUEST TO REFUND THE CHARGE BUT XXXX CHARGE NOT FIND THE RECORDS OF THE TRANSACTIONS. THAT CHARGE WAS THEN RESERVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion states according to my file numbers that they have investigated and reinvestigated the XXXX XXXX account they are reporting. I have submitted disputes outlining factually incorrect data that I dispute and it is returned " Verified '' and " Updated '' and it has not been updated. Results sent to me are dated more recent than the " Date Updated '' field, and other incorrect and inaccurate data. They have stated to me that there are not " any open disputes '' for this, although I sent it to them on XX/XX/2022. TransUnion has not performed a proper investigation ; and it has not removed/deleted the account according to my rights under the FCRA, the reporting of inaccurate, unverified information.
Product: Checking or savings account

On XX/XX/XXXX I tried transferring funds from a savings account to an investing account all held by the same bank, Ally Financial Inc . I had to make the initial transaction four times before it went through and when it finally did I started being locked out of my investing account. On XX/XX/XXXX I made another transfer in the amount of {$600.00} and it was approved that day but the cash only showed in the account for a couple hours before disappearing. I spoke to a XXXX at Ally Financial about the transfer and he was able to confirm the transfer but not the receipt in my other account. He transferred me to another department but the investing department is clearing phone queues every 30 minutes. They are restricting access to my accounts on both their app and their desktop site. They have {$600.00} of my money tied up in limbo where an employee can not find and they are restricting normal banking functions like accessing funds and buying stocks.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I made an international wire on XX/XX/XXXX in the amount of {$8500.00} from a PNC Bank branch in XXXX, XXXX On XX/XX/XXXX, a charge for {$120.00} appeared on my account without explanation. Upon further inquiry, I was told that the charge was for the above stated wire. This fee was never disclosed to me during the transaction, nor is it listed on the actual wire confirmation form, signed by me. The agent at the bank indicated that all their bank fees are listed on regular bank statements. I find this dishonest and predatory behavior. 
It is wholly reasonable for me to expect that associated fees would be disclosed to me at the time of making the transaction, either verbally and/or in writing on the wire receipt, neither of which was done.
Product: Mortgage

I was requested to send a letter of explanation with regards to clarification of a bank statement I previously submitted. I emailed the explanation to them. 

I also left two voice messages with the escalation department with no return call asking for a status on the loan modification and suppression of credit reporting. I followed up with emails in addition to speaking with loss mitigation. 

The most recent request in lieu of a loan modification, I inquired about the Cares Act Forbearance as I had not taken a deferment with them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX SPRINGOAKCAP are reporting this account as a debt that I owe that is incorrect. I have previously disputed this account previously and each time it is stated that it is verified but thats not true. Now this will be my final attempt at getting these two companies to follow law as it is outlined. I deny each and every claim that I am indebted to any financial institution. The fact is THE XXXX XXXX XXXX received a security from me which is a receivable off books so they may securitize it. If Spring Oak Capital took an assignment of said security then they would be required under federal law to file a UCC 1 financing statement to prove possession of the account. This complaint will become an official part of record for any future court hearing I decide to pursue. I do not owe you a debt and you can not prove otherwise. I will give you 14 days to remove this collection or I will summons both companies to a federal court where the individual representing each party with need to swear in to attest to the fact you stated in your reply. I will not be extorted or bullied into paying a collection account that is fraudulent by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account with Affirm on my credit report in XX/XX/XXXX. I disputed it with the credit agencies because I did not open it. They came back saying Affirm said it was accurate. I then went to affirm and disputed it three different times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also said it was accurate and I was responsible for the loan. After some digging, I found evidence that my husband who I am separated from, took out the loan in my name, without my permission. I mailed a letter to them in XXXX of XXXX showing this evidence and also submitted a complaint to the XXXX XXXX XXXX Affirm responded to the XXXX  saying it was correct but referred to me several times as XXXX XXXX. My maiden name is XXXX and I am guessing that it was they meant but this is just further proof I did not open the account as that is not my legal name. The original order ( truck parts from a company called XXXX XXXX XXXX  ) paid for with this Affirm loan was not addressed to me or mailed to my address either. I can't even access any information on Affirm 's website because I didnt create the account. They have since marked it as 120 days late and sent it to a collection agency. It has destroyed my credit and I don't know what to do to prove I didn't do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount :  {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ...

Account NamesXXXX 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. 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 items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I receive a not reasonable letter from Bank of America claim dept that stated my claim # XXXX was not approved on XX/XX/2022. 

In fact I did not make any claim. My credit card ending XXXX was losing, and someone used it. I evenly did not know the charge. 
Then I did not get any mail of my bill too. I found the charge after a few months, when credit card noticed me that I did not pay. Since I always paid before due date. -- -- -- -- -- - This is not my charge, but a losing/stolen card charge, so I called credit card losing/stolen dept and noticed them, You replaced my card. You also told me that you would NOT charge me for this false charge {$47.00}. 

In fact I lost some cards and others ( but I did not notice early for my losing bank of America card, since I did not use it for a while. After I knew, I called you at once. 

The letter on XX/XX/2022 was not making any sense. 

It said the monthly account statements have sent to me ( But I did not receive it, otherwise I will call early ). 

It also said '' we conformed the charge ( s ), the chip was read, your PIN was entered and or you signed ... '' This is also odd. 1. I never used PIN for my any credit card at all.

2. Chip was used, of course, the person who got the card and stolen money will use the chip 3. If any signature, that is false, please mail me the copy of the signature, I will check. 

I called dispute dept, they said they will forward me to lost/stolen dept. 
I waited 1 hour and did not get it. 

In called XXXX number today, XXXX XXXX said the seller has credited me {$47.00} on XX/XX/2022, She said I got two credits one from bank of America and one back the seller. She said XX/XX/2022 letter due to two credits, so I need charge one back. 
However I check my online statement there is no any credit from any seller on XX/XX/2022. But there is only one credit XX/XX/XXXX. 

The card charged me twice for {$47.00} losing /stolen charge. 
The one credit tool off one, but can not take off the second {$47.00}. 

Please check and resolve it. 


Please credit me the charge back ASSP. It is a stolen/lost card charge.
Product: Credit card

My ex-girlfriend explained to me she wanted to build her credit and had opened a credit card with Synchrony Bank who administers Care Credit for XXXX and health related charges. She told me she had listed me as an authorized user on the account and asked me to charge my XXXX on her card and pay her directly for the charges. This way she could build her credit rating which was poor. 
I agreed and had XXXX performed and paid her several thousand dollars for those procedures believing it was her card alone and she was paying down the card as the charges came in. In reality, I later discovered she was only paying the minimum monthly payment and leaving the balance in full which was accruing at an interest rate of a usurious 29 percent! 
After separating from her I asked my dentist if I could open my own care credit account. To my shock, they stated that I already had an account open and that I owed over XXXX dollars on it! Evidently, the card she opened on line listed me as a cosigner, not an authorized user. I was never informed of this. I immediately called my ex-girlfriend infuriated and demanded an explanation. She stated that she had never listed me as a cosigner, only listing me as an authorized use. I called Synchrony Bank and told them I was not a cosigner. Synchrony Bank stated I was listed as a cosigner via an online application. I told Synchrony to give me the account number and send me statements of the card and they refused to do so unless I changed the address for billing. I called my ex back and told her I would close the account and she stated if I did so she would never make any payments on it again and then balance was over XXXX dollars at the time. She stated if I changed the account in any manner she would default leaving me the full debt. Synchrony stated I could close the account if I chose to however she stated that if I changed the address or closed the account she would default. She always maintained the account was her account and not mine and I had no right to change anything on the account! 
So, either Synchrony Bank has taken my information from an online application and changed me from a authorized user to a cosigner or the ex-girlfriend listed me as a cosigner not an authorized user without my consent. Either way I am a victim of identity theft and fraud. 

Synchrony bank refuses to release any documentation of the account to me including the account number unless I change the primary address on the account. I explained to them my ex threatens to default completely on the debt if I change the address. Synchrony bank continues to deny me any documentation although they have been informed of the consequences if I change the address. Synchrony bank claims it can not send out statements to me without removing my ex-girlfriends address from their billing list. I find that claim to be ridiculous in light of the circumstances. I believe Synchrony Bank has ulterior motives to get me to change the primary address to myself and this is why they refuse to send statements to XXXX addresses. Thus, I have no documentation or even an account number to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX  stating that due to information they received from Transunion Consumer services that they had closed my account without my consent even though my account is in good standing and my credit is good. Trans union implied that i had too many charge accounts and revolving credit which is not true. I pay all my credit cards including the one i had with them on time every month. In fact my bill to them was paid in full and i never had a credit problem with them or any of my current accounts. Where does XXXX XXXX  and Transunion Consumer Relations have the right to do anything to my account without my consent or put false information on my report and try to ruin my credit and my reputation and so obviously are wrong, XXXX XXXX  is no longer providing services and now XXXX has been turned over to another bank which I found out when I called them. i want my credit card reinstated immediately and this false information taken off my report. With that i also want a letter of apology from XXXX XXXX  and Transunion as I feel that the way I was treated was totally out of line. i feel that they are discriminating against me as a single woman and also discriminating against me due to income. i am going to attach the letter I got from them.
Product: Credit card

My bank on the credit card account XXXX XXXX  erroneously reversed payments I made to XXXX XXXX. These payments were in the amount of {$41.00} each. I called Citi Bank as soon as I noticed the issue and promptly made my payments in XXXX. However Citi Bank assessed {$41.00} additional fee for each reversed payment and now they ask fir a total of {$340.00} payment in the fees. I explined the situation to the customer XXXX in XXXX when I paid my principal amount without the fees. She said they will waive the fees but they have not. After XXXX, they started calling me for payments. Any time I call back and talk to a customer representative at Citi XXXX they say they cant waive these unreasonable fees. I offered to make {$100.00} payment to close this disagreement but they have not accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back as of yet so over 60 days. im a human and i expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus but this is not an excuse to treat consumers this way.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I responded to an email I received from Experian XXXX XXXX XXXX, informing me that my phone number and SSN were found on the Dark Web. This came after I have gotten several notices from various entities saying my personal information with their companies have been compromised. I had other questions about credit attempts by someone using XXXX XXXX address information. Experian 's phone number provided in their notification Does Not allow me any option if addressing my actual concerns and absolutely NO option to reach a live person. Trying to log in again, I received a message that my XXXX and XXXX don't match their information!! There is no way to resolve, correct or address my concerns with Experian. I signed up with them on XX/XX/year> after receiving a security breach notification from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX