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

Good evening, The company " CREDCO '' is an unauthorized credit check. 

That's it. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, and my information was listed as potentially compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.
Product: Debt collection

I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.
Product: Credit card

The screenshots previously provided DO showcase that NO RETURN POLICY is posted. I was sharing the signs they have posted in store and that NONE of them are return policies.. so Im confused as to why thats being requested currently. When it was clearly previously provided. Now I can not show you something intangible. The merchants cash register only prompted store credit and if I as the consumer accepted that, yes Id have tangible evidence ( a receipt ) of the proposed points previously made but I would not be able to charge it back/ receive a refund because an exchange wouldve been solidified. So I asked for the manager, who also refused to refund my money ( which is how these products were paid for, hence the charge to my card ). Regurgitating the same information as the cashier.. which is that they were unable to override the cash register and if the cash register only prompts store credit, thats all they can offer. The manager also explained that, this was due to the original transaction being split between two cards, being my GS Apple Card and my insurance benefit card. I then explained to her ( as I did the associate ) ( which is clear from the receipt ) that, the amount rendered on my GS card is greater than the total amount rendered on my insurance benefit card ; so how could I get back more store credit than was spent? ( And nothing on this specific policy/ ruling is stated anywhere ; from online to in store ) She responded with an oh well demeanor stating thats all the cash register was offering so thats all I can do. To which I told her, was unacceptable as machines can easily be overridden. I asked for a number to call in hopes of reaching an acceptable solution. They provided one and I called immediately. the representative I spoke with took my complaint, asked if I wanted a follow up call to which I responded yes but never received one. So I went to my last and final resort filing a chargeback. This could have easily been resolved with the merchant directly had they actually cared to justify the problem I was having. I also threw out the products after my 3rd and final attempt to return them. Ive purchased other hair care that fit my needs. Hence me pursuing getting my money back and NOT store credit. 

I dont know what else Goldman Sachs needs to rightfully eradicate this charge. XXXX clearly didnt want the products back at any of the three attempts I made to return them. So I threw them out because I expressed on the first attempt, that I experienced an allergic reaction ( when using products from the same beauty brand, purchased prior at another store ) ( in which that store took the return of the product just fine ). That associate advised I reach out to the 3rd party beauty brand ( s ) specifically, when refusing the return. 

The sole fact is, XXXX has no return policies posted in their store at all and because of this failure to properly inform their consumers of their return policies PRIOR to purchase, a loss was created. Theres absolutely no reason why the liability is falling upon me, the consumer ; when they are completely in the wrong and breach of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, XXXX, ie younomics, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX  lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that XXXX agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and younomics needs to stop reaffirming a debt they agreed to discharge.
Product: Credit card or prepaid card

Tuesday, XXXX XXXX, 2021, I received a letter in post from US Bank, stating a credit request was denied due to insufficient information. I have not applied for any line of credit from any lender. In concern of Identity Theft or Credit Fraud, I called the number listed in the letter ( XXXX ) to a supposed " Customer Authentication Department ''. An answering services receives the call and prompts the caller to press " 1 '' if you received a letter and didn't apply for a credit card. The answering service runs for 30 to 45mins. then, disconnects. I called and waited several times from XXXX /EST to XXXXEST and never received an actual response. 
The credit request is obviously fraudulent and US Bank is a valid corporation. I believe the letter may be fraudulent, as well. I would like to have this investigated to find its source and intention.

-With Thanks
Product: Debt collection

They have not provided info I requested to validated my debt. 
1. Agreement with your client that grants you the authority to collect on this alleged debt 2 Agreement that bears the signature of the alleged debtor where in he agreed to pay the creditor 3 Any insurance claims been made by any creditor regarding this account.

4 Verification that this debt was assigned or sold to collector 5 Commission for debt collector if collection efforts are successful 6 My signature on any paperwork to prove no ID theft was made?
Product: Checking or savings account

2021 my checking account with Wells Fargo was close due to overdraft fees in the amount of XXXX and XXXX this account has reported to XXXX XXXX  as a negative close account causing me to be unable to open other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX1 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
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 remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX - Account # : XXXX XXXXXXXX XXXX  - Account # : XXXX I have sent a letter by Certified mail to Equifax on XX/XX/22. Tracking # : XXXX To investigate if every piece of information is correct, and if it is not correct then to remove it from my credit report. Certified mail Tracking # : XXXX
Product: Money transfer, virtual currency, or money service

Been side banking with Current for over a year and on XXXX XXXX I got 5 unauthorized charges from a XXXX in XXXX Florida. I have nevered travel there. All transaction where back to baxk. They said itbwas done by a virtual card, I have my physical card with me. So some one transferred {$250.00} from my personal checking account through my bank to this account and they made the transactions of {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$10.00} at the XXXX in Florida. I am in a terrible financial situations now that is leading to take actions against me. I have contacted them over 15 times. Have not been able to talk to no one and ask them about resolving this matter. But 2 days before this happened I was notified by Current about was I in Florida and if known of fraudulently activities been done to this account. I told him no I wasn't aware and he hung up. This situation should have stopped before this all happened. There is no way of locking app, card or account.
Product: Checking or savings account

I deposited XXXX checks on XX/XX/year>, from XXXX XXXX XXXX for {$24000.00}. XXXX of the checks was a duplicate so it was voided. The other check was on hold with Bank of America and was cleared by them before XX/XX/year>. I saw the money was in my account, so I made a wire transfer for {$11000.00} and again on XX/XX/year>, for {$12000.00} to buy bitcoin to pay a commission fee to XXXX. On XX/XX/year>, Bank of America reversed the check and returned it as a chargeback. I called the bank on XX/XX/year>, to inquire as to why they reversed the check, and they informed me the check came back from a non-existent account and to just have XXXX write me another check from a different account. I was unable to contact XXXX to obtain a new check and in the meantime, my XXXX went to our local bank branch to file a complaint. They said they will start an investigation into who wrote the bad check. After several phone calls trying to get an update on the investigation, I was told they did me a favor by depositing the money into my account since we were such long-time customers. I was informed they could not find anything on XXXX XXXX, XXXX. They then told me they could try to see if they could investigate the wire transfer to try to get the money back. I received a letter dated XX/XX/year>, that they were unable to find anything during their investigation. Due to my paychecks being directly deposited into this checking account, I did not have access to XXXX paychecks due to the {$24000.00} negative balance in my account causing a financial burden for me. Today my account still sits in the negative. If Bank of America would have not cleared this bad check, I would not have done the wire transfers. I trusted that they had done their due diligence and cleared the check in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : ( XXXX ) XXXX ). XXXX XXXX wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to XXXX XXXX XXXX  quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very racist joke about the political organization, Black Lives Matter. She stated " well all bank accounts matter '' when I asked for a supervisor. XXXX XXXX  has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX )
Product: Debt collection

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card

The 2015 year has been horrible for me financially because I had to deal with my mom getting diagnosed with XXXX and almost having a XXXX ; and my father getting diagnosed with XXXX and XXXX XXXX XXXX. I have also been dealing with my son who had XXXX, and had XXXX that had him hospitalized XXXX times last year.I received notice that my account would charge off in XXXX by mail if I did not make a minimum payment XXXX dollars.Therefore, I made the payment of XXXX dollars in XXXX. Then I received a statement saying I owed XXXX dollars or my account would charge off, but all I could afford to pay was {$25.00}. I paid the {$25.00} dollars in XXXX and my account charged off. I could see if I had n't made a payment at all, but I was trying to get it paid. When I called to talk to a representative she act like there was nothing I could do. She pretty much said I could pay off the charged off amount. Ive had this account since 2010.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included JPMCB information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : Spring Leaf Fin XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

TRANSUNION IS NOT DELETING THIS COLLECTION WERE I REQUESTED TO TAKE IT OUT FROM MY CREDIT REPORT I HAVE ATTACH THE FILE.
Product: Bank account or service

On XX/XX/XXXX, I issued a Chase Bank check # XXXX in the amount of {$500.00} to XXXX XXXX for work performed at our house. The next day XXXX XXXX informed me that he 'd lost the check. I contacted Chase Bank and they instructed me to issue a stop payment on the check and reissue a replacement check. They advised me to wait a few days to make sure the original check did not clear the bank. On XX/XX/XXXX, I placed a stop payment on check # XXXX and was charged a {$25.00} fee by Chase. On XX/XX/XXXX, I issued XXXX XXXX the replacement check # XXXX in the amount of {$470.00} XXXX I deducted {$25.00} for the stop payment fee. ). This check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I noticed that the original check # XXXX was cashed by XXXX XXXX even though a stop payment had been issued by Chase Bank and the check was over one year old. 
I feel Chase Bank is responsible for the {$500.00} due to two errors they committed. 
1. They did not honor the stop payment that was issued. 2. They cashed a " stale '' check that was over one year old. 
As a consumer, I did everything in my power to prevent this check from being cashed. I issued and paid for a stop payment and I waited 4 days before issuing a replacement check. Chase Bank has culpability for acting negligently in ignoring the stop payment and in cashing a very old check. 
I have contacted JP Morgan/Chase and they refuse to reimburse the {$500.00} and will not allow me to file a complaint and/or escalate this claim.