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

I recently received my credit report regarding Public Records listed below : Public Record : XXXX. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with XXXX, Equifax and XXXX on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy Court, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy XXXX, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that Equifax, XXXX, and XXXX verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed Equifax, XXXX and XXXX, with the attached document from the US Bankruptcy Court Clerk, Northern District of Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public Records. So, Equifax, XXXX and XXXX is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which XXXX and Equifax uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with Equifax, XXXX and XXXX does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, Equifax, XXXX and XXXX have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that Equifax, XXXX and XXXX remove the above-mentioned bankruptcies from my credit report immediately.
Product: Mortgage

As a XXXX-year-old senior citizen, I think Shellpoint Mortgage is taking advantage of my age to charge me more than {$350.00} a month fraudulently. They are claiming that I do not have mortgage insurance. I have had the same mortgage insurance since I purchased the property in XXXX. 
My property insurance costs {$39.00} a month. Since XX/XX/XXXX, Shellpoint Mortgage is charging me more than {$350.00} a month for insurance that I already have. 
My monthly mortgage bill was increased by {$350.00} in XXXX. I contacted the company and asked why and was told that I had not offered proof of insurance. 
I stated that I had never received a document asking for proof of insurance. Shellpoint Mortgage claims that they have been sending out documents but I have never received them. 
In fact, when I contacted them again on XX/XX/XXXX, I was assured by one of their supervisors that I would begin receiving mailed documents immediately, I still haven't received any mail from them as of XX/XX/XXXX. 
With no written request they have been able to collect more than {$700.00} from me without notifying me of the reason. 
I live on a limited budget and this is causing quite a hardship. 
Please advise.
Product: Credit card

I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. 
I dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and " pocket '' this credit.
Product: Checking or savings account

Truist//BBT Claim Number XXXX. On XXXX XXXX of 2020, I stayed at the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX herald On the evening of the XXXX I was drugged and consequently robbed of my wallet, phone and several belongings. My credit cards were used including the Truist card. When I came to my senses and reported the incident to the bank I was informed I reported this too late and that I was careless with my account PIN. I believe the people who robbed me were able to get access to my phone and access my accounts using my finger print as I was blacked out. This was reported to the XXXX XXXX when they broke into my room, after it was reported I was missing. I have contacted the bank several times about this matter and I am out of options at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to lift a credit report security freeze either through the website, telephone or representative. Each time I try they tell me they can not help me or they do not believe my identity. I have tried to resolve this numerous times. When I go online, they say the site is down temporarily. Please see the attached. When I call the automated system they give a vast array of options to choose from to confirm my identify, and they consistently say I " failed '' the identity check. When I call a representative, they go through the same array of questions. They say I answered one question wrong and will not lift the security freeze. They then tell me I must MAIL a letter asking to lift the freeze along with two forms of identification. I NEVER hear back from them. I always have to deal with an international who has a barely passable understanding of the English language ; why don't they have stateside reps? THIS IS UNTENABLE. They allow my identity to be stolen and then they won't allow me access to MY credit report. Please help me in dealing with this situation once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked.

I have listed the items on the document attached.
Product: Checking or savings account

I received an direct deposit in my account. After the money was received I was unable to access my online banking account. It instructed me to go in to the Bank of America Firm. I went in and spoke with the Accountants and was told my account was pending closure, and It would be official closed by the end of XXXX. The end of XXXX comes and I never received the check. They were supposed to mail to me so I tried to go back up there. They instructed me that I needed to do a verification process and that they couldnt do it inside the bureau so they had to call another associate its higher up in order to assist. A month goes by and I get a letter in the mail stating that my account has officially been closed and if theyre holding my funds. Mind you I was still getting direct deposits from my job into the account so I have yet to receive any of the money from my jobs for the times I have work. I spoke to Bank of America about the issue and they keep giving me the runaround. Its been over two months and I have yet to receive any of my money. Im behind on bills. Im now going in the debt and in that process I ended up falling behind on my bills
Product: Debt collection

On XX/XX/2021 I XXXX XXXX the natural person received a letter from Jefferson Capital stating that I owed a debt that I have any knowledge of. Looking at the letter from Jefferson Capital I found several violations of my consumer rights and I am very frustrated that they have even went to the extent of putting this debt on my consumer report. I have never done any business with company and I'm furious that this company has my personal information demanding money from me.
Product: Credit card or prepaid card

On XX/XX/2022, Discover closed my credit card account with no valid reason, I called and ask what's the reason and they said I did not provide my info, which I did three times different times, I sent my information with notary signed certified mail, when I checked the USPS it says they were delivered, then I called discover and they said they did not receive the letters, after about a week they closed my account after I have gotten back {$800.00} refund form a company. I have all my certified mail receipts and the copies of the documents to support this claim, and they are now reporting on my credit file negative reports. I would like my account to be open and the negative report off my credit file. Discover is a very dishonest company, and will report them to IRS to do an audit on them for taking my SSN to open an account and trading my security on the stock market, and I will be taking over my security account and make a complain to the security Exchange, if I do not get my account reopen.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. 
nationstar/ mr cooper account # XXXX is reporting an inaccurate late payment on XXXX on XX/XX/2018 XXXX delete this late payment because is inaccurate.

15 u.s.c 1681 section 602 a.states that i have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 ; it also statesa consumer reporting agency can not furnish a account without my writtent instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX card opened last year for almost XXXX is being disputed as it is not mine however it says it is a XXXX card now.
Product: Credit reporting

I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax about inquiries that are not mines. 
XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2023 XXXX  XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2023 XXXX  XXXX XXXX  XXXX XXXX this XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX of inquiry XX/XX/2023 XXXX  XXXX  Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2023 XXXX XXXX XXXX  Dispute this XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/2023 yet they refuse to remove them. I will now be filing civil suit against them because I have provided them with a ftc report. And they claim they never got it and I sent those out novemeber XXXX. I will be sueing as of next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX I account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX is the creditors name and the amount is {$6100.00} the original creditor was westlake financial and it was in fact disputed due to being fraudulently established and inaccurate now it is appearing from another creditor for the same amount.
Product: Credit reporting or other personal consumer reports

I called Equifax and was told in so many words there is nothing they could do over phone and was directed to web site. Once I got to web site the website itself did not work. I repeatedly called and attempted to use web site to no avail. I also discovered that my information was compromised in the most recent equifax data breach and I still did not get any response or assistance. 
I'm constantly getting identity and other fraud alerts when I apply for credit. Also theirs missing and inaccurate info on my credit report. When I spoke to equifax they did not help me. My credit score comes up XXXX or unusually low also when creditors run my credit. I have spent/wasted hours or days on phone trying to get it fixed. This has costed me time, energy, and money. I have also been denied access to credit which is having a negative impact on my quality of life.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/XXXX Amount : {$5000.00}, Action : I did an ACH transfer from XXXX XXXX  ( Checking account ) to my Robinhood account. This was initially requested from my Robinhood App. XXXX XXXX  processed the wire but got rejected by Robinhood on XX/XX/XXXX. 

I was expecting the transfer to bounce back to my XXXX XXXX  account, but that didn't happen. Therefore, over a week later, I contacted both their customer supports. 
XXXX XXXX  said that I need to file a dispute in order to have them further investigate. Robinhood told me they don't see the transfer and asked me to upload the screenshot of the message saying the transfer got rejected so that they can further look into this. 

Over a week later, XXXX XXXX  came back saying that they can't do anything since they don't see anything wrong. 
Robinhood never responded, I attempted to reach out to them multiple times through their XXXX support and no one has responded for over XXXX days. 

At this point I feel extremely frustrated as I still do not know which party holds the {$5000.00} and when I'll get back the cash. 

Best, XXXX
Product: Credit card

My payment due date is on the XXXX of every month. I always pay early and I am never late on payments. 

I make a payment as soon as I recieve a statrment in my email. My last 2 payments were made on the XXXX of the month. XXXX XXXX, XXXX  and XX/XX/year>. After my payment on XXXX XXXX, I received a late fee. 
I called Synchrony ( TJmaxx credit card ) and told them I made a payment on the XXXX. They removed the laste fee. After this call I still got emails about them needing a payment. I then recieved my statement for payment that would be due XX/XX/year> only to discover they were still teying to charge me and extra payment! I called and spoke with an operator who was no help. I explained how I preciously made my payment on XX/XX/XXXX with no issues. I finally asked to speak to a supervisor who argued with me and told me I had made a payment on XX/XX/XXXX, which was a lie. He sent me to customer service where they told me they could not do anything unless I payed the double amount ( $ XXXX ). I explained that I am having XXXX XXXX on XX/XX/XXXX and the money simply is not there. I am XXXX and I always make payments on time so there is no excuse for what has happened.
Product: Debt collection

I have received a request for payment from Transworld Systems Inc. for a {$690.00} debt alleged by XXXX XXXX but it appears to the be same amount as the disputed amount from a different individual that was rejected for failure to meet minimum care standards. The alleged debt does not state the date of alleged service, the billing codes applicable, and provides no evidence that Transworld Systems purchased the alleged debt from XXXX XXXX. The alleged debt does not state how much Transworld Systems would be paid for collecting the alleged debt, which could be used to discount an old alleged debt. I have never solicited business from Transworld Systems, and I know they are shady debt collectors with a long history of abuses as documented by the thousands of complaints in the databases of Colorado and Federal governments. XXXX XXXX is not listed in the local phone directory and does not show in the local XXXX and XXXX  approved providers. 
At the minimum, Transworld Systems should be required to provide the actual name of the provider they claim to represent, the actual billing codes involved so that any alleged billing can be compared to that billed, the actual dates involved, the actual location where such alleged billing was incurred, and provide any payments already paid as per XXXX  and supplemental insurance. 
Additionally, I am XXXX and I do not use the phone. I will not use XXXX XXXX   friends to address this issue as it is the responsibility of Transworld Systems to  address disabilities per the Americans with Disabilities Act, and this is evidence of non-compliance by an abusive and vulgar organization.
Product: Payday loan, title loan, personal loan, or advance loan

On Thursday XX/XX/XXXX, I visited XXXX XXXX to learn about their medical treatments. They charged me {$25.00} for XXXX diagnosed my problem, and recommended their XXXX at $ XXXX dollars. I would later find out the person reading the XXXX  was actually the sales manager, not a medical professional. I told that person, ( XXXX XXXX ) I would likely pay cash if I went forward with this. XXXX XXXX gave me misleading and coercive information about a discount I could have if I applied for a loan from an entity he would direct me to online. In his presence, he directed me on my phone, at times handling my phone to apply for this loan. During this visit he said I could cancel the treatment if I changed my mind, an provided me wtih a written refund policy. I was eventually approved. 

A day later I called XXXX XXXX and cancelled the service. I never was given a statement from them showing any kind of credit of {$10000.00}. Later that day I received a call from MOMNT about my " loan ''. I call back and told them I had cancelled the service, and if they had fully funded XXXX XXXX they needed to reverse the disbursal. 

Two days later I received a statement from MOMNT showing my " balance '' of {$10000.00}. I then contacted XXXX XXXX and requested a refund. They never acknowledged my request. A second written request was undeliverable as XXXX XXXX  had closed. 

About two months later MOMNT contacted me about irregularities in the loan application process. I went through all this with them. On XXXX oXXXX XXXX XXXX i received an email from MOMNT saying that an investigation had shown there was no identify fraud. I reopened another investigation ( still pending ) as I had contacted all parties early on and stated that I 1. NEVER received a good nor service, 2. I had never had possession of the {$10000.00}, XXXX never was provided with a receipt of balance from XXXX XXXX 
At this time the principal proprietors of XXXX XXXX have filed XXXX XXXX bankruptcy. 

I have contacted the Trustee for these two individuals behind XXXX XXXX and asked to be considered a " debtor '' to this liquidation. 

What is my liability and exposure long term on this? 

This " loan '' from MOMNT is a two year, no interest loan. It is now on month 11, and the clock is ticking to get resolution.
Product: Debt collection

We have been paying two payments of XXXX and XXXX a month to the credit card collection agency Weltman, Weinberg, and Reiss Co., LPA for over two years. This was a payment plan set up and approved by the agency and us. The monthly payments are automatically taken from our checking account every month so we've never missed a payment.This was debt incurred from two XXXX cards. Without any written or verbal notification to me, the above agency sent a court-ordered levy against our bank accounts ( one checking, two savings ) for over XXXX dollars. We owe them XXXX. They took XXXX dollars from our checking and over XXXX dollars from both savings accounts. My bank said they can not stop the levy so now our accounts are overdrawn by over XXXX dollars. This is a breach of our monthly payment agreement with no warning given. We have no other means. No way to buy food, gas, pay bills, or pay for needed medication.
Product: Student loan

Data breaches credit gets on frozen and more loans go out that are not me social security number is used for car loans student loans bank accounts using California in XXXX XXXX California and it's social media accounts and I need the help to recover myself and not to recover with somebody else recovering the money as me I am in mass data breaches with XXXX  and it's they give me a number that somebody else had and the other person use that number that was giving to me against me and reports data breaches and fraud