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

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried closing my account on XX/XX/21 and they told me they could NOT verify it was me all because I changed my phone number. The account email is XXXX my social ends in XXXX but obviously I know the whole thing and told the guy at XXXX XXXX and the number I changed it to was XXXX from XXXX which was the old number. Address is XXXX XXXX XXXX XXXX XXXX ma XXXX and there was an old addy of XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX. Please close this at once, this is ridiculous. 

XXXX XXXX
Product: Debt collection

They call XXXX times a day and then call my co-signer each time after. I 've submitted a cease and desist letter and they came back to tell me that it does n't apply to my state. To top it off, they harass me by doing a credit pull through Experian and read over the items on my credit report and challenge me on how I was able to pay the minimum on my XXXX XXXX ( {$25.00} ) and not my loan ( {$1200.00} ). 

I 've been out of a job for 6 months and keep having to explain to them that but they DO NOT STOP the harassing calls. 

XXXX ( XXXX ) XXXX is the number they call me from, who call themselves NAVIENT and I called back one time and the representative answered saying " EZ loans '' NAVIENT claims to have an in-house collections department who is " not '' supposedly a third-party however there is fradulent activity here as they are underwriting loans and collecting for NAVIENT and call themselves a non-3rd party. 

Moreover, they CAN NOT pull my report each time without my consent however they do. I 've asked for permission to record my phone calls with them and each time they decline and hang up the phone. 

Please please please please look into this matter.
Product: Credit card

I paid a balance of {$40.00} on my XXXX XXXX XXXX XXXX account on XX/XX/year> using their telephone bill payment line ( due date XX/XX/year> confirmation XXXX. I was never notified until XX/XX/year> that the payment was returned. My banking institution had no record of that payment ever hitting their system. This started a chain of events with me filing a complaint with the XXXX The complaint was resolved in my favor. I received a refund for the applied late charges and fees and my credit rating was reestablished. The account was closed in XX/XX/year>. 
See all attached XXXX  file and documents At some point I started to receive on line statements from XXXX XXXX and honestly didnt pay much attention because the account was closed in XXXX. I was able to retrieve XXXX from XXXX and one from XXXX that show {$0.00} balances Then billing started showing up with $ amounts. I couldnt see where they were generated from because I didnt have an account. When I called back on one of the many harassing calls I was yelled at by a representative that it didnt matter if I had an account. I still owed the money. I ended the call The last statement has increased exponentially I have a medical condition that is being exacerbated by this harassment My credit rating has again dropped because of this See all attached BBB file ached documents
Product: Checking or savings account

They are not disclosing the issue theyre having with direct deposits .. its affecting me tremendously not being able to have access to my funds. They refuse to disclose their third party issues. Very unprofessional.
Product: Mortgage

I recently received a year end statement from Nationstar Mortgage. Since the company will not answer any question and outside of this year end statement, no information was given too me when requested, I am requesting to know when Nationstar acquire my servicing agreement. I am requesting to know is the legal owner of my mortgage. XXXX loan servicing could not prove not only who is the legal owner, but also provide proof of transfer of ownership and the secruritization trust to the purchase of my property. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXXXXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Debt collection

Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; XXXX/now Midland Funding. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. XXXX is in Bankruptcy and XXXX was their credit card holder- but their tactics are not good ; because when I talked to XXXX XXXX they would not even negotiate as I told them I had XXXX and was sick in XX/XX/2016.
Product: Credit card or prepaid card

My daughter is an authorized user on my Capital One Visa card. My daughter 's personal information was stolen in a data breach of XXXX XXXX in XXXX. This personal information would contain her name and our home address. 

Subsequent to the date breach my daughter was a victim of credit card fraud. 

I notified Capital One of two fraudulent charges as soon as I discovered them. 

1. On XX/XX/2021 a fraudulent charge of {$46.00} from XXXX. 
2. On XX/XX/2021 a fraudulent charge of {$46.00} from XXXX. 

Capital One " investigated '' and determined there was no fraud for either charge. I appealed their decision regarding the second charge ( {$46.00} ) and I believe that investigation may still be pending. As of XX/XX/2021 the investigation of the first charge ( {$46.00} ) has been closed. 

The gist of Capital One 's proof is that the XXXX account that placed the order has my daughter 's name and home address attached to it. And that the destination shipping address for both packages match my city, state, and zip code. I do not think that is enough. 

Here are my counter claims : 1. XXXX  does not verify the physical address of people who open accounts. So the fact that an account has my daughter 's name and address is suspect evidence. 
2. The XXXX account with my daughter 's name and home address on it is attached to a XXXX email address. My daughter uses XXXX. 
3. The publicly available tracking information at XXXX only shows the packages were shipped to my city, state, and zip code. This does not mean that it was sent to me ( I am not the sole resident of my zip code ). 
4. XXXX allows recipients to change the delivery address after the shipment has been placed. So just because XXXX 's records show initial delivery address was my home address it doesn't mean that is the absolute final delivery address. 
5. I have the XXXX tracking numbers that Capital One provided for the packages that were shipped with the two fraudulent charges provided above. When I called XXXX they initially would not give me the recipient name or the delivery street address for privacy reason. But I did get XXXX  customer service to confirm verbally that the destination street address for delivery WAS NOT my home address. 
6. I reported this ID / credit card theft to the XXXX XXXX, VA cybercrimes unit. I got an email response from a detective who advised me that I could get XXXX  to give me the information I needed ( name / street address ) by using the Fair Credit Reporting Act Section ( FCRA ) 609 ( e ) that requires businesses to provide consumers with information they need to fight ID theft. 
7. I called XXXX again and informed them of FCRA 609 ( e ). Amazingly they agreed to send me the information I requested : the recipient name and recipient street address for the two packages paid and shipped using fraudulent charges to my credit card account. This shipping information from XXXX now conclusively shows that these packages WERE NOT delivered to my home address.
Product: Debt collection

Debt is from XXXX XXXX XXXX in the amount of XXXX this is a fraudulent action that I am a victim of and I was incarcerated during this times which is impossible for me to be the person thats associated with this account in the documents uploaded is proof I was incarcerated from XX/XX/XXXX until XX/XX/XXXX this was the action of indentity fraud
Product: Debt collection

This company identifies themselves as XXXX XXXX XXXX. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through Paypal using my XXXX XXXX card in the Amount of {$750.00}. My trip was for XX/XX/XXXX. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company XXXX XXXX and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for Paypal to respond. Paypal responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from XXXX saying that my needed to reach out to Paypal because there is nothing they can do. I have since reached out to paypal who has sent be back to XXXX to have them handle the claim and reach back out to them. I contacted XXXX told them Paypal told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact Paypal. I have since reached out to Paypal who has now sent me back to XXXX to have them help me because they are waiting on XXXX to contact them with their decision that they Paypal will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!! 

I just went on Paypal 's Website and they have closed my case. Without giving me my money back. They took my money and now I feel like I have been SCAMMED. How do you pay for a something you did not get and when you try to get your money back the people who took your money is telling you, you are not supposed to get it back. I have done EVERYTHING I was supposed to do. I cancealled ahead of time, I asked for my money back. Why am I the customer the one that is losing out. PAYPAL owes me my money. They processed this transaction, it is their MERCHANT that took my money. This is unacceptable. I will not stop until I get the rest of my money back. XXXX has issued me {$250.00} out of the {$750.00}. I need my {$500.00} back. In this time where things are rough for everyone ... losing {$500.00} for something I did not get, is beyond wrong. Paypal needs to give me my money. XXXX said they could not honor my claim because Paypal denied it, and Paypal is trying to tell me my case is closed because XXXX denied my claim. How on earth does any of this make sense.
Product: Credit card

I had a balance at First Tech Credit Card paid by a balance transfer payment with XXXX XXXXXXXX XXXX. It appears the balance transfer payment from XXXX XXXX XXXXXXXX wasn't enough, when it should have been, and to my surprise and without any notice, I still had a balance and they still charged me {$32.00} in interest, which for whatever reason was interest of 14 % on a balance of {$2600.00} ( which makes no sense because my full balance at the time was {$7300.00}. 

After making a payment on the remaining balance of {$91.00}, I called First Tech to have the interest waived/reversed, and they said it was policy and that they do not do interest rate reversals or waiver at all. This is fraudulent, particularly, when they don't let customers know that balance transfer payments didn't cover all of the account. They actually shared that this happened to another customer the day before I called, and they said they told them the same thing : interest charges aren't waived or reversed at all. I talked to a supervisor at First Tech, and this is what he said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX/XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit card or prepaid card

I was sent an in-mail promotional offer for a new credit card by SOFI. It had a 0 % APR rate for 12/15 months. This happened in the month of XXXX. I responded to the offer and got approved for the card. I first started using the card in the month of XXXX and my first statement was generated in XXXX. I went ahead and made a payment and then when my 2nd statement was generated I daw that they have charged me interest on the balance amount. I reached out to SOFI and they said that they will investigate the matter and get back to me. this never happened. When I called them the 2nd time at that point they apologised and asked me to provide with the code orals they won't be able to apply the promotion. Never have I faced a similar situation from a credit card company. I never retained the paper as its been nearly 4 months. I never anticipated something like this. They are plainly denying any responsibility and it's a clear case of cheating and manipulating for charging interests. It is such an unfair practice. I don't think I will continue with this card but I want solutions regarding the promotional offer being applied to my account. Other folks should also be aware of this company engaging in such dishonest practices.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Transunion directly on XX/XX/year>. This company has failed to comply with FTC regulations and refuse to fix the issue, violating my consumer rights. I have filed an official FTC report complaint against Transunion.
Product: Debt collection

National credit systems inc. is constantly harassing me for a fraudulent collection from an apartment complex called XXXX XXXX. Theyre claiming I owe XXXX and threatened to get a fraudulent judgement against me to try and garnish my bank account which contains my XXXX social security Benefits and child support. Both of these types of income are exempt. I dont owe this money and have provided proof from station heights resident account dated XX/XX/XXXX showing a zero balance. I closed on a home on XX/XX/XXXX and my lease expired on XX/XX/XXXX. I moved out XX/XX/XXXX and station heights cashed a check from me dated XX/XX/XXXX for {$560.00} for final move out rent payment with utilities included all noted on the check they cashed. please keep in mind ( THEY DONT ACCEPT ANY PARTIAL RENT PAYMENTS ) I owe absolutely nothing as if I owed I would not have been able to purchase a home if I was someone who didnt pay my rent. I lived at this apartment complex for 6 years and they have changed mgmt. many times. They would often charge erroneous fees to receive extra money from tenants. Not once was I ever late in paying rent I have an impeccable rental history. XXXX XXXX is retaliating against me because I complained about their maintenance issues to corporate and because I refused their lease renewal and bought a home instead. I have documents proving when I closed on the home XX/XX/XXXX, copy of the cashed check for {$560.00} dated XX/XX/XXXX, bank statement showing they cashed it, lease showing it expired XX/XX/XXXX, moving company receipt dated XX/XX/XXXX and resident log in dated XX/XX/XXXX showing a zero balance with my name and apartment number. They constantly call and send threatening letters to try an intimidate me which is not a tactic thats working. I know my rights are being violated and this is a fraudulent collection. I sent them a cease and desist letter via email on XX/XX/XXXX and have filed disputes with all 3 credit bureaus. I will not be bullied and or forced to pay a fraudulent debt. If I moved out on XX/XX/XXXX why would it say on XX/XX/XXXX on the resident portal after my leased expired on XX/XX/XXXX I owe XXXX dollars? This proves theyre just trying to manipulate me into paying a false debt. Tenants are constantly moving out and the management company is desperate to make money for the apartments theyre not able to rent. National credit systems/station heights need to be fined and penalized for their fraudulent collection tactics and fraudulent debt practices. I ask that this is investigated and proper reprimands are executed against them. They need to delete this off of my credit report and stop contacting me before I take expeditious legal actions against them. Thank you as I look forward to an amicable resolve.