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

I contacted experian to dispute a fraudulent charge on my credit report, from XXXX XXXX. Experian only took a couple of days, got back to me already saying that the error stays. I don't even think they did anything. I can't get a hold of anyone to help me, and there is no option for me to re dispute the situation. I can't get anyone to help me. XXXX XXXX, along with many other owners/ landlords will try and get away with charging fraudulent charges against tenants when they move out. They have to have stiffer penalties when they do this. XXXX XXXX have no proof what so ever regarding these charges. The manager wrote on the back of a piece of paper " what was wrong '' when I did my final walk through moving out. My XXXX year old daughter was with me. When I asked for a copy of what she wrote, she said she couldn't give me one, because their office was " under construction '' and copy machine not working. I didn't agree or sign anything, proving that these charges were even mine.
Product: Debt collection

On XX/XX/year> Ally Servicing LLC referred my account to their XXXX XXXX XXXX, claiming I didnt pay {$30000.00}. Under the contract I signed, this transaction is the finance of a sale, not a purchase money loan. The credit has therefore already been disbursed. Send me the 1099-C per the IRS, since the debt has been canceled.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I signed up for an American Express Platinum Card with the intent on maximizing the advertised new member bonus. The bonus I saw on every application form stated 75,000 points for $ XXXX in purchases within the first three months and 10x bonus points on supermarket and gasoline purchases within the first 6 months up to {$15000.00}. 

After a few weeks I noticed the purchases for supermarkets and gasoline cleared at the regular 1x reward rate for purchases. I called and was told the situation would be investigated and I would be called back. After two weeks I called today to get an update and was told the case was resolved and no changes would be made. 

I asked to speak with the deciding personnel and was told they do not speak to anyone but can send me the link I used for application that would prove I was not offered what I stated above. When pressed for the link the employee I spoke to ( XXXX, ID XXXX ) told me they did not have the means to send me the link, which goes against what she had just told me. I asked to speak to a supervisor but was told they were all busy. This was the same thing I was told earlier, that I would be called back. I am doubtful that this would be followed through based on the prior experience.
Product: Credit reporting or other personal consumer reports

upon reviewing my Equifax credit report I noticed that Equifax has allowed several companies to victimize my credit history by running my credit for promotional items that I did not agree to sign up for. As a consumer I do not sign on to promotional items because I know that they are a scam. 
Equifax has allowed these companies to breach my credit profile by erroneously attempting to utilize my personal information to sign me up for financial items I did not agree towards. This breach of data base information has caused me financial distress. 
I humbly request that Equifax respectfully delete these inquiries without harm as soon as practicable. 
Equifax has allowed companies in the past to destroy my credit history without being a responsible overseer of the information to ensure accuracy. in light of this my financial health has been impacted while they make profit. the companies in question upon my Equifax credit report are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance, why I called these companies they stated that never did business with my person and or doesn't require a hard pull upon creditors unless a product is guaranteed to be provided. I was also informed that Equifax was responsible for the misinformation and they bear the responsibility to remove the inaccurate information. 

Please Delete.
Product: Debt collection

In midXX/XX/XXXX, I received a notice from our local magistrate for a Civil Action filed against me by Midland Funding LLC c/o XX/XX/XXXX in the amount of {$3900.00}. The hearing was scheduled for XX/XX/XXXX. I called the office on XX/XX/XXXX to make a settlement offer. They refused the offer and withdrew the lawsuit and will not take it off of my credit report and did not make a counter offer. I received my notice in the mail from the magistrate that the hearing was cancelled onXX/XX/XXXX. Any phone calls after this date have not been returned by the company.
Product: Credit card

After opening my Apple Card with Goldman Sachs, I wanted to set it up in my bill payment feature with my normal financial institution. When I tried using the numbers that Apple/Goldman had provided, enrollment of the biller/payee failed. I was informed that the account number on Apple/Goldman cards is different than the numbers provided for purchases. Every time I try to ascertain the account number using the apps, they kept trying to force me into linking my bank accounts, allowing them to withdraw payments directly from my bank account. I did not want to do this, and I wanted to control the payments myself using Bill pay. I contacted them the only way possible as far as I could entertain, which is via Apple text messages using my XXXX. They told me they could not provide me the account number by any electronic means although every other aspect of this experiences electronic. They told me the only way to get my account account number is by US Postal Service and it would take at least 10 business days. After 10 business days had passed without receiving the account number, I contacted them again., they said they can see that I asked for the information a second time, which I had not done. They said to wait for 10 more days from either that date or from today. At this rate, I may not be able to pay my first bill on time without linking my bank account. This seems unfair, abusive, and deceptive to make it this hard to find out your account number on a credit card, just so they can force you to link your bank account to them.
Product: Debt collection

This appeared on my credit report. I have not had XXXX XXXX in over 2 yrs. Have not heard from them since paying the final invoice 2 yrs ago, and now they have a debt collector reporting me to the credit bureaus. 
I owe them nothing
Product: Money transfer, virtual currency, or money service

hey! 
PayPal has scam me takes all my funds after waiting 180 days, they transferred my balance to PayPal. 
things wont stop here, going to apply for class action lawsuit against PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Equifax Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became VISA XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.
Product: Mortgage

I have been trying for years to get my mortgage company ( Ocwen ) to work with me due to income loss in my family. I tried for years to get a loan modification but they refused to grant it, stating that because I missed a mortgage payment I was in-eligible. I then applied for a short sale and they finally approved it XX/XX/XXXX but unfortunately the buyer decided not to move forward. I then hired another realtor to put the home back on the market and we got a contract right away. I called Ocwen to inquire if there was an auction date for the pending foreclosure and they told me no date had been set. I requested a short sale package and they told me to download the package and that they would also mail one out to me ( but they never mailed one out ). I had just completed the package when I got a certified letter on Saturday XX/XX/XXXX with a notice of an auction date for XX/XX/XXXX at XXXX. I called Ocwen immediately and spoke to an escalation manager who then told me that they had called a number that I have never had or used. He told me that the sale date was set on XX/XX/XXXX but I was told on XX/XX/XXXX that there was no sale date. I then called Ocwen this morning ( Monday XX/XX/XXXX ) to ask for the current contract to be considered and they told me that they would deny it. I am a single mom with XXXX young boys who have been trying to get Ocwen to work with me but it has been the biggest challenge and now they want to foreclose on me even though I have a contract of sale. I am asking for representation to appeal to Ocwen to cancel the sale date and work with the contract of sale that we currently have. I am currently living in the property with my young sons.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Mortgage

WELLS FARGO HOME MORTGAGE IS CREATING PROBLEMS HAVING THEIR AGENTS XXXX OUT OF XXXX XXXX SENDING MY TENANTS A LETTER STATING THEY ARE FORECLOSING IN 2 MONTHS!!!! OUTRAGEOUS ON XXXX HAND THEY STATED THEY ARE ESCALATING MODIFICATION BECAUSE THEY HAD INPUTED THE WRONG FIGURES AND NOW THEY DO THIS .THIS HAS ONLY SERVED TO MAKE MATTERS WORSE!!!
Product: Debt collection

Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I notified TransUnion of inaccuracies on my consumer report after being notified TransUnion removed the inaccuracies ( names, birthdays, addresses, numbers, and social security numbers ) the accounts that are associated with the inaccuracies remain on my consumer report and I believe that TransUnion is in violation of federal laws by continuing to report the inaccurate accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - XXXX, XXXX and Equifax. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - XXXX, XXXX and Equfax. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - XXXX, XXXX and Equifax. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - XXXX, XXXX and Equifax. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - XXXX, XXXX and Equifax.
Product: Checking or savings account

I have contacted your team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX Detective XXXXXXXX XXXX Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Ive been disputing this Department of Education balance for months. The issue stems from my XXXX XXXX and XXXX XXXX disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the fall XXXXXXXX XXXX XXXX I was awarded a XXXX XXXX of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the XXXX XXXX XXXX 

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a student. So, between the {$2300.00} unpaid from my XXXX XXXX and the {$1000.00} unpaid or reimbursed from XXXX XXXX, Im owed a total of {$3300.00}. 

Now, lets look at my XXXX XXXX with XXXX, which totals XXXX XXXXXXXX amount is correct. If you subtract the {$3300.00} Im owed from the XXXX XXXX and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the XXXX XXXX, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} XXXX XXXX overpayment that never happened. The XXXX XXXX should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

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

I opened an account on XX/XX/2019 with XXXX/XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/2019 I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX PS : I'm XXXX XXXX therefore, primarily use email for communications.
Product: Mortgage

On XX/XX/2023 I was approved for the HAF grants to help pay for my delinquent mortgage. My mortgage company PHH Mortgage is not communicating with the State of Texas HAF homeowners assistance program. 

Now my loan is at default if not paid by XX/XX/2023.