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

I have come to the conclusion that Southwest Recovery is not a legit company. I called and spoke to a lady named XXXX back in XXXX. I explained to her that the amount they are reporting to the credit bureaus are incorrect. The email they sent me of what the property management sent them that I owed I already had. We went over the statement, and I told her what I owed. She said she would call the property management and get back with me. She never did so I called back and talked to the owne, r XXXX who is very unprofessional. 

At first, he tried to tell me he didn't have an account with XXXX XXXX. He tried to argue me down. I told him I talked to a lady named XXXX and to look at the notes in the system. He checked and seen that I indeed talked to her. I asked what was the status of her talking to the property management? Of course, he was clueless. I told him how I'm willing to pay what I owe but the amount is wrong. He flat out told me there was nothing he could do, and I would have to pay the whole amount. I said no. I also asked if we came to an agreement can I get something in writing saying they would delete the account from my credit report, he claimed they don't send letters out like that, but when I called back and talked to another guy he claimed once the debt was paid he would send a letter out saying the debt was paid. 

XX/XX/2022, I get a settlement email out the blue saying they would take 25 % off the debt. The original amount is {$3600.00}. They know I'm desperate because I am trying to rent a house. I was willing to take the settlement so they could remove the debt off my credit reports but then when I called they said the offer was only good for that day and I have to pay it in full. 

How they don't want to listen to me and hear what I do owe but want to settle for an amount that they pulled out the air knowing they bought my debt for pennies on the dollar? I'm not about to pay for debt I know for a fact I don't owe. I'm going to keep disputing this to all credit bureaus until this issue is rectified.
Product: Credit card

On the XXXX of XX/XX/2023, an erroneous charge of {$530.00}, the actual and correct charge should have been {$390.00}. Despite assurances from the store manager about a {$130.00} refund, it never materialized. Subsequent attempts to address the issue with Wells Fargo Credit Card Company hit a roadblock as they flatly refused to initiate a dispute for the {$130.00} charge.
Product: Debt collection

Debt Collection agency repeatedly contacts me multiple times a week after stating this is not my debt but they refuse to resolve the issue or remove the debt. Provided proof and documentation to XXXX, XXXX, and XXXX that is is impossible for me to have lived there as I was still in high school and at home with my parents living in a different city at the time. Debt is currently in dispute with the credit bureaus. I graduated high school XX/XX/2021 and I moved into my first apartment in XX/XX/2021 IN XXXX FLORIDA. I NEVER LIVED IN THE CITY THAT THE DEBT COLLECTION AGENCY PROVIDED ME.
Product: Debt collection

Unauthorized use of ATM/Debit Card Account Ending in XXXX Claim Number : XXXX Amount : {$1700.00} Dear Sir or Madam : I am the victim of fraud. My ATM/Debit card was used for unauthorized transactions between XX/XX/XXXX, and XX/XX/XXXX. I did not authorize the transactions listed on the attached documents. In fact, I did not go into that store during that period of time, to the best of my memory. I did not authorize anyone else to use my ATM/Debit card. Also, I did have my debit card with me the day I went to notify the bank. I memorized my Debit card PIN and I do not have it written down anywhere. I do not have any idea of how my PIN was stolen from me. 
In XXXX XXXX the bank of America temporary credit my account, in XX/XX/XXXX the credit of {$170000.00} was removed. After that, I appeal the case and my account was credited in XX/XX/XXXX while my claim was in research. Finally, on XX/XX/XXXX the credit was remover again and the claim was closed.
Product: Debt collection

On XX/XX/2020 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " AmeriFinancialSolutions LLC ( AFS ). '' The company received my letter on XX/XX/2020 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I received a response back from AFS and they provided me with an itemized statement. They didn't provide me with what I requested in my letter so I can verify the debt. I mailed another letter asking for my proof and I haven't received no response and I'm asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. I have attached all the documents to prove my statement.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, According to 15 U.S. Code 1681o, an individual or entity may be held liable for failing to comply with the requirements of the FCRA, but only if the noncompliance is willful. I contend that the actions or inactions being cited in this matter were not willful violations, and that I acted in good faith to comply with all relevant provisions of the FCRA. 

Specifically : My XXXX account ending XXXX, Experian has failed to correct errors regarding this account as I have submitted the proper documentation stating this account is paid in full. I submitted a dispute on XX/XX/XXXX and then in turn someone at Experian changed information on this dispute and in turn re-submitted the dispute on XX/XX/XXXX. I received the dispute results and the balance is still reporting on my credit report which is inaccurate. 

I have reached out to Experian to correct the discrepancies and nothing has been done. It seems that I am being not taken seriously in regards to this matter. This account has a XXXX balance and not late payments and yet my credit report has not been updated to show the positive status. 

I ask that my credit report be updated to reflect the correct balance of XXXX and positive payment history.
Product: Credit card

On XXXX XXXX I used a check to pay off my balance to Wal-Mart in store ( serviced by Synchrony Bank ). i checked back 24 hrs later and the payment had not yet posted. I checked with XXXX XXXX, who my account is with and they showed that the payment was pending but had been presented and would clear my account that evening. I called to check if payamtn had posted and it had not. I then spoke with a rep from Synchony and he told me that my payment was on time but credit would be held for 19 more days. I then spoke with a supervisor and he stated that because I had paid the exact amount that I could be trying to commit fraud by paying the balance and then going out and making more purchases and then dispute the payment and going over my limit and that hey can hold that payment for up to 21 days. I told him that once a check has cleared and into their hands that it can not be disputed unless I can prove I did not present it. I basically said that by lowering my limit to XXXX dollars it was hurting my score and that I was going to file a complaint. He said that I could do what I wanted but that they can adjust my limit anytime they wanted too. I took this to mean that if I did file that they may keep it lowered and possibly do this to other accounts they service. To this date, my limit is till XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account information with EXPERIAN for account with XXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.
Product: Mortgage

The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken from me.
Product: Credit card or prepaid card

This is what I sent Lowes I recently picked up order XXXX ( which wasnt ready for about a week but Im not going there ) when I got there everyone was in a rush trying to get the order together because no one started it. Through the rush I never received the paperwork. 
I just got my credit card statement and was charged incorrectly. The material on the order was supposed to be free. Please see the attached pictures showing the order and confirming. 

I called the store they said it was a glitch I called cc company back in XXXX and every two weeks since. Today the credit card stated theres nothing they can do XXXX today when I called to follow up ) Lowes charged me XXXX for Material that was supposed to be free. I have pictures showing that. I could have gotten better grade material for less than 1/2 of the price
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 {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
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 {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX /experian/ XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 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. 16815-2 ( 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. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX illegally reports to ExperianXXXX that my account is still valid and refuse to request account removal after settlement.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have recently fallen victim to identity theft, which has resulted in several fraudulent entries on my credit report. These 11 unauthorized accounts and 16 inquiries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported this incident to the Federal Trade Commission ( FTC ) and now urgently request that these fraudulent items be removed from my credit report immediately.
Product: Mortgage

I was approved for the Homeowner Assistance fund of Florida to make my mortgage payments for XXXX XXXX I have had problems with the mortgage company applying the mortgage payments to my account. At one point, a representative by the Name of XXXX XXXX assisted me in rectifying the mortgage account, but now the same issues are happing to my account again with payments not being applied ( XXXX and XXXX XXXX XXXX  ) and I am getting letters from the mortgage company about late payment.. I have called XXXX XXXX several times time over the past two weeks without any response for assistance with rectifying this mortgage payment matter with any return phone call. XXXX 's payment has not posted as of yet and the last time this happened, I had to make the mortgage payment on the last day of the month in XXXX XXXX XXXX with money I did not have and it took over 30 days to resolve for Loancare to locate the payment by HAF, refund me and apply the payment properly. This can not happen again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To whom this may concern, Rent Recovery Solution at XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX has been reporting a account of the amount of {$1600.00}. The collection has been reporting inaccurate information. I do not know this company. I have never done any business or had any type of partnership with them. This company does not whole any legitimate contract bearing my signature. Below I have tried to communicate with this company to handle this matter and been completely left in the dark. 



1.On XXXX/XXXX/XXXX, I spoke with a customer service member XXXX, After speaking with him he tried to fine me in the system but was unable to verify information per social security number and phone number. After doing some research he mention to me that he was unable to find me in their system. 

2. On XX/XX/XXXX, I mailed 1 of 2 certified letters # XXXX XXXX XXXX XXXX XXXX. The front desk/receptionist for Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 

3. On XX/XX/XXXX, I mailed out a second certified letter # XXXX XXXX XXXX XXXX XXXX, as a follow up from my previous letter. On XX/XX/XXXX the front desk/receptionist from Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 



I have also reached out to XXXX who happens to be the one reporting this account on multiple occasions to validate the alleged debt information on my Consumer report. This matter has continued to be neglected. I never received what was requested of them. Below I have been keeping close track of communication timeline : 1. On XX/XX/XXXX, I mailed certified out USPS # XXXX. The front desk/receptionist for XXXX who is reporting ( Rent Recovery Solutions, LLC ) received a letter of concern to validate the alleged debt that your company is stating I owe. 

2. I have tried to call XXXX multiple times regarding the debt since the validation letters that I have sent are not being replied too. Every time I have called I've been placed on hold, transferred to someone that can't assist me with the matter or hung up on. 

3. The same applies for USPS certified letters : - Tracking # XXXX - Tracking # XXXX - Letter sent on XX/XX/XXXX Under the terms of the Fair Credit Reporting Act ( FCRA ), companies and credit bureaus have to prove that you owe a debt to list the item on your credit report. Since this matter is months over due I demand that this account be removed from all Consumer Credit Reporting agencies.
Product: Money transfer, virtual currency, or money service

The company TransferWise advertises their " brilliant '' service TransferWise for Business for all businesses to open quickly and use it efficiently. It did sound great to have a Borderless Account for our non-profit organization so we can lower international bank fees of our charitable causes. However, in reality this was very different, complicated and eventually not even allowed. 
I first had to open a personal account, uploading personal documents. Then connect a business account to it, giving details about our charitable organization and its bank account details. Each step of confirmation took several days. Then, in an e-mail they asked 4 questions about our non-profit without explaining why they need to know those questions or what their policy is about. After several days of answering those questions they just said that we can not open this account ( without any explanation ) and blocked both the business and my personal accounts for good but keeping all the sensitive data we have provided in the process. 
They show a false advertisement, as apparently they only open business accounts for their selected clients. Their whole procedure just felt very dodgy and unprofessional to me. Not allowing a charitable organization to open a business account just sounds very untrusty or they just want to deal with big and rich for-profit organizations as businesses.
Product: Checking or savings account

I have experienced debit card fraud twice with Huntington bank now. I have had {$980.00} stolen from me over the past few months. Before the month of XXXX my account was never overdrawn by myself and now I cant keep up with all the fraud. Huntington provided provisonal credits while they investigated back in XXXX. They claim I authorized the transactions in the state of Florida while I was present in Ohio at the time. {$640.00} was taken in XXXX and {$330.00} this month. Now my accounts are locked out. I cant access anything in my name. I went into the branch today and I was able to take some cash for the time being but I need to be able to pay my online bills. This is honestly ridiculous. I requested the documents they used to prove I authorized the transactions back in XXXX and they have failed to provide them now for the second time. My account is on hold and frozen and I cant access anything. I need help!!! Huntington bank has failed to help me in this time of need! XXXX!
Product: Vehicle loan or lease

I traded in the vehicle that I had financed with Bridgecrest at the XXXX dealership that I purchased my new car from on XX/XX/2021. XXXX sent the payoff check to Bridgecrest and they received it on XX/XX/2021. Due to Bridgecrest claiming theyre are behind in processing and applying payoff checks, they have yet to apply the payoff check, that they received on XX/XX/2021, to my account. Meanwhile, they are calling me daily from their collections department requesting that I pay the carnote on the car that has been traded in/the car that they have received payoff check for nearly a month ago. Please help me.
Product: Debt collection

This is regarding Company Name : XXXX XXXX  Account # XXXX Never removed still in my credit file : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response from Equifax : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to resolve a issue multiple times and they refused to reinvestigate issues that I have. 
They claim it was verified but it wasn't Bankruptcy. Not verified please re verify XXXX XXXX XXXX. 
please reverify Unauthorized credit inquires. 

Not removed. 

I should have no hard inquires on my Experian credit report. 

I'm sick and tired of getting the run-around. 

Please remove all unauthorized hard credit inquires. 

Thanks