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

I recently had my credit card account closed do to unknown authorization purchases, which later got my account in the negatives. My balance was {$730.00}, started paying on the card to get it removed off my account. So my most recent payment towards the card was {$130.00} on XX/XX/2023, now bringing my account to {$590.00} and I plan to make another payment before the actual due date which is on the XXXX of every month. After filing many disputes with Experian its still showing the credit card account as opened and its continuing to drop my credit score and its reporting INCORRECT BALANCES. For some odd reason it reported that I missed a payment this month when I already paid it, so now my score has dropped AGAIN FOR NO REASON.
Product: Debt collection

Amount owed ; {$1000.00}. I am not liable for this debt with XXXX. I do not have a contract with Jefferson Capital System. They have not provided me with the original contract, as I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed case XXXX by Capital One is wrong on there investigation. 

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identify and opened a credit card with XXXX on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to XXXX Card ( Identity Theft : XXXX ) and XXXX XXXX XXXX department ( XXXX ). XXXX XXXX XXXX said they will start an investigation, which may take 3-4 weeks to conclude. XXXX Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the XXXX card from my report. XXXX did nothing of the kind. I am still waiting for Experian to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at XXXX XXXX? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized charge on my account and sofi lending corp refuses to acknowledge or help me with this charge.
Product: Debt collection

Beginning XX/XX/2020, I was contacted by Credit Control. I answered the phone, and the individual requested my information. I refused to give, as I am under no obligation to provide my private information to an unknown and unverified caller. Since then, I have been getting repeated robo-calls from this " credit provider ''. One phone call, they asked for a XXXX XXXX, who is not me. They use several robo call dialers, and when you try to return the call to request information, you are required to leave a message with your personal information rather than talk to a person. Since then, I have sent them a cease and desist letter and email to their complaints division, but that has only increased their calls from multiple numbers. XXXX ; XXXX ; XXXX ; XXXX. 

To date, I am unaware of ANY debts owed that have been sent to any collection agency, as I have been current on all my loans and financial obligations. I have requested for information in writing, to which I have been hung up on. 

This company has been so aggregious in its communication tactics that it deserves to be investigated and reprimanded for its harassment on a person who has no account with them and of whom they can not confirm they have an account that applies to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 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

On XX/XX/XXXX I sent Transunion a signed, certified letter requesting them to send me verifiable proof ( an original consumer contract with my signature on it ) on four seperate accounts.

On XX/XX/XXXX I received a letter from Transunion showing investigation results. Three out of the four accounts where deleted and the last one ( amount {$46000.00} ) came back as " verified and updated '' which is illegal according to the FCRA An account can not be verified without providing me with an original consumer contract with my signature on it according to the FCRA. In other words, Transunion left an unverified account ( amount {$46000.00} ) on my credit report.

I sent another signed, certified letter to Transunion on XX/XX/XXXX requesting them to verify the unverified account ( amount {$46000.00} ). On XX/XX/XXXX Transunion send me another letter with investigation results " verified and updated '' without providing me with an original consumer contract with my signature on it which is illegal according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report related to the following accounts : XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXXXXXX Collection Account, and XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXXXXXX Bankruptcy XXXX. 

Firstly, I dispute the accuracy of the address associated with the XXXX XXXX collection accounts. The address listed, XXXX XXXX XXXX XXXX, NY XXXX, is not correct and has not been associated with me at any point in time. I request that this address be removed from my credit report. 

Additionally, I am currently enrolled in a XXXX XXXX bankruptcy plan and have been making regular payments as agreed. However, the bankruptcy accounts listed on my credit report show an inaccurate and inconsistent balance. I request that these balances be corrected to accurately reflect my current payment status. 

I have enclosed supporting documents that show my current payment status and address history, and I request that you investigate these inaccuracies and correct any errors on my credit report as soon as possible. 

Please inform me in writing of any action taken as a result of this dispute, and provide me with a corrected copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a phone notification that indicated my account was past due. I was not using the account and had paid the balance in full. After looking into the account I found on XX/XX/XXXX that I had, in fact, paid the balance in full of XXXX. When I inquired in XXXX, I was told there was an interest charge of {$2.00} that had been added to the account and then assessed late fees several times. The representative for the company informed me that these fees would be removed from my account by the next billing cycle and the late payments would be removed in 45 days from my credit report. The fees were removed from the account, however the credit report is still affected showing two back to back late of 30 and 60 days. I called the company again on XX/XX/XXXX after finding out that the status of the credit report had not changed reflecting that there were no late payments. I was told first that XXXX XXXX would not do anything further to help. I asked to speak to a supervisor and was then told that the documentation necessary to address the credit report was not submitted in XXXX when I first called and was being submitted now on XX/XX/XXXX and would take another 45 days. 
I am in the process of purchasing a home and put off continuing the process in XXXX as this error had dropped my credit limit on the card and my credit score. Now I am being further penalized by this predatory practice and being told possibly another 45 days. I have nothing in writing and no idea if anything has actually been submitted due to the company 's unethical practices and unwillingness to address the error in a timely fashion.
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my credit report that are not mine : 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. 

I have attached my ID and a copy of an FTC report. This is unlawful and needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX   XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine
Product: Credit card or prepaid card

1. ) In XX/XX/XXXX in violation of fair credit billing laws USAA reversed the decision on a billing dispute made in my favor from XX/XX/XXXX-XX/XX/XXXX a  year prior. 2. ) At that time I requested all documentation obtained during their investigation, and documentation used in making their decision. I have yet to receive any documentation for my USAA XXXX XXXX which had the largest discrepancies and errors. 3. ) I received billing statements for my two USAA XXXX Cards, none of these statements had any of the requested documentation relating to USAA 's investigation and decision to take adverse actions. 4. ) I still have not received a billing statements for my USAA XXXX XXXX and since USAA restricted my online access back in XX/XX/XXXX I  have had no way of knowing what they are actually doing. I say this because USAA has failed to maintain open lines of communication or provide the requested documentation as required by law. 5. ) The timeline provided by regulation Z to finalize all billing disputes has already expired, as well as the timeline allowed for USAA to provide the requested documentation.
6. ) USAA might say they made several attempts to send me the documents. However in a discussion with XXXX from the collections department as of XX/XX/XXXX all my documents and communication with USAA was still set to be delivered online on USAA.com. Meaning, I was unable to access them due to USAA restricted my onilne account access in XX/XX/XXXX. Furthermore, I made repeated requests verbally and in writing for these documents and was assured by more than 10 agents I would receive them. To this day for the USAA XXXX XXXX I have not received any documents. And I have not received any requested documents for any of my affected accounts related to USAA 's investigation or offering a detailed explanation of their decision to take many adverse actions.
Product: Mortgage

On early XXXX, XXXX. I received a letter from Ocwen Loan Servicing , LLC . dated XXXX/XXXX/XXXX ( See Attached ) stating that a loan modification denial letter previously send pertaining my application for mortgage assistance may not have contained the gross monthly income used in determining my eligibility. Since Ocwen might not have included the original income in the previous modification letter, Ocwen was offering me the opportunity to dispute the modification decision. I disputed the loan modification decision. I received a respond on a letter dated XXXX/XXXX/XXXX ( see Attached ) stating that Ocwen was denying Loan Modification because the owner of my loan does not allow modification. Why Ocwen encourage me to apply to loan modification if Ocwen knew that owner of loan does not allow modification? In my opinion, Ocwen encourage me to apply to loan modification in order to cover for their mistake stated on letter send on XXXX/XXXX/XXXX and have acted in bad faith. After receiving numerous threating letter from Ocwen, I decided to put my house of 15 years for sale. Ocwen send me a payoff quote dated XXXX/XXXX/XXXX ( see Attached ) valid through XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I requested a revised Payoff quote to be Valid through XXXX/XXXX/XXXX I was told that I was going to receive it in about 5 business days. As of today, I have not received Payoff quote. On XXXX XXXX, XXXX, XXXX XXXX, Senior Escrow Officer from XXXX XXXX XXXX Company requested a Payoff quote from Ocwen to be Valid through XXXX/XXXX/XXXX as of today, XXXX XXXX have not received Payoff quote. Today, XXXX XXXX, XXXX XXXX XXXX called Ocwen and explained urgency in getting Payoff quote today because escrow is closing tomorrow morning, XXXX XXXX, XXXX. During the course of conversation between XXXX XXXX and an Ocwen supervisor from Ocwen escalated department, private sensitive information of me was disclosed by Ocwen supervisor such as loan was in delinquent, time loan was in delinquent, and other personal information that I did not consent to be disclose. My privacy was violated by Ocwen. Supervisor at Ocwen told XXXX XXXX that Payoff quote could not be send today for escrow closing because Ocwen needed to add Attorneys Fees to quote. I know for a fact that my home is not in Foreclosure preceding. I have not received any letter of default. In fact, please look at Payoff quote attached, there are no attorneys fees. Nothing have change. There should be no attorneys fees added to any Payoff quote. Ocwen is holding my escrow closure due to take place tomorrow, Friday, XXXX XXXX, XXXX because they want to add more fees for themselves. Ocwen has been given plenty of time to produce payoff quote. I requested payoff quote back on XXXX XXXX, XXXX. I am not able to close escrow tomorrow due to Ocwen behaving in a dishonest maner in order to collect more money in fees and XXXX. If I do not close escrow tomorrow, I will cost me a lot of money in fees and Interest. I will put more money in Ocwen 's pocket. Please investigate my file asap. I believe my privacy and rights are being violated by Ocwen I need help. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Description 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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or prepaid card

I'm in the balance transfer from XXXX XXXX card to the city card ending in XXXX but I had a very small balance on the city card so they issued me a credit on my statement of {$6500.00} the amount of the balance transfer when I requested to get that credit amount and the check the company fooled around with me I call them like XXXX to XXXX times trying to get a check trying to get a direct deposit I never received it after XXXX months the credit on my statement disappeared and I tried numerous times to call the company and to get from them the credit they are sometimes they hang on the phone on me sometimes they send me over to other other departments and nobody was wanted to help me I even tried to get to speak to some supervisors and no one of them helped me it's really XXXX months they're keeping my {$6500.00} with them and no letters coming from them no update is coming from them I really call that stealing my money I want my money back plus a amount for that inconvenience and for that time frame I was withhold my money
Product: Mortgage

Loan boarded with SPS on XX/XX/XXXX, loan was in the final stages of a modification review with previous servicer, ( XXXX ). The loss mitigation process had to be restarted with SPS and XX/XX/XXXX file was approved for a modification effective trial pmts XX/XX/XXXX in the amt of XXXX. The amt of the payment was off due to the fact that SPS boarded the loan with the incorrect accrual for the real estate taxes. On XX/XX/XXXX we spoke with SPS and sent them the proof that taxes were incorrect. They were collecting XXXX instead of XXXX so when the trial docs were prepared they were collecting the wrong amount, making his pmt very high. SPS was advised by phone on XXXX, today XX/XX/XXXX we were advised that our client needs to make his pmt at the incorrect amount until they fix it. We have tried several times by phone calls, fax and email.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX MST I sent an international money transfer with Moneygram Online for a total of {$1000.00} USD to a receiver in XXXX. She received the money the following day in her account. For some reason without me requesting it and no issues with the funds from my bank account, Moneygram decided to cancel the transaction over two months later on XX/XX/2020. This has caused the receivers bank account to be suspended and Moneygram said they had no option but to refund me the money even though I never asked for a refund and that it is more than two months after the original transaction took place. 

This has caused undue stress on both the sender and receiver, for one I had to send a new {$1000.00} transfer to XXXX on XX/XX/2020, not using Moneygram at a cost of {$17.00} to me. 

The receiver still has her account suspended by her bank and Moneygram has offered no support or explanation of why this transaction was canceled more than two months after successfully being deposited in her account. 

The phone support claims that the financial institution rejected it but her bank is claiming moneygram canceled it ... the money was in her account and processed fine until Moneygram tried to take the money more than 2 months after the transaction was successful. 

I included in the attachments which have the reference numbers and the dates of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a credit report was ordered by XXXX  XXXX XXXX from a unknown person for a XXXX XXXX Credit Card. The application was made containing my name, DOB, SSAN, and home address, all information correct however the application DID NOT COME FROM ME AND IS FRAUD. Credit alerts and freezes have been implemented, notifications have been made and the credit card WAS NOT issued