23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to purchase two things cats online from a breeder the name of the breeder is XXXX XXXX XXXX XXXX no spaces in between, the name the person gave me to send it to was XXXX XXXX the phone number that was connected to the text was XXXX XXXX I was told located in Arizona the address that I was given so I could send a wire was XXXX XXXX XXXX XXXX XXXX AZ XXXX The bank account wire they wanted me to send the money to was XXXX to XXXX XXXX routing number XXXX account number XXXX I sent through XXXX one amount of XXXX would not let me send anymore so they kept giving me different name and addresses to send it to the next day I said another XXXX they complained that they couldnt get the remaining amount {$250.00} at that time I became suspicious and called my bank and try to get the money back my bank is telling me that they have no fault on their side and wont get my money back question who should I speak to if I cant get help here My phone number is XXXX text me if you like or call me at anytime my email is XXXX Wells Fargo bank XXXX XXXX  XXXX XXXX XXXX, CA XXXX the number they gave me to call is XXXX claim number XXXX And claim number XXXX
Product: Credit reporting or other personal consumer reports

I have previously contacted Trans Union regarding correcting and deleting information on my consumer report. I have disputed this information and Trans Union continues to report this information that I have stated is incorrect. They are in clear violation of the law, under15 USC 1681b. Permissible purposes of consumer reports. The Law Clearly States ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my my consumer report? Furthermore, the Fair Credit Reporting Act 5 USC 1681 ( 2 ) ( a ) ( i ) : 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 experience between the consumer and the person making the report ; Delete Late payments from my consumer reports this agency is in violation of15 USC 1681 et seq. , governs access to consumer credit report records and promotes accuracy, fairness, and the privacy...

They continue to report disputed inaccurate information on my consumer report and they have failed to respond to my request.

The following information has been disputed XXXX  Inquiry not authorized XXXXXXXX XXXX XXXX  Inquiry not authorized XXXXXXXX XXXX XXXX Inquiry not authorized XXXX  XXXX This account was never late, never reported late but has been charged off an account can not be charge off unless it has been late. 
XXXX XXXX XXXX XXXX XXXX report late payments on my consumer report which is a violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Text contains those laws in effect on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments reported XXXX XXXX XXXX XXXXXXXX XXXX Late payments reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX this account is on my report and I have contacted this collection agency along with Trans Union and they continue to report an account that I was never notified about and I have never had an account with this collection company.

The following addresses continue to report on my consumer report after I have disputed them they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following telephone numbers do not belong to me ( XXXX ) XXXX
Product: Debt collection

On XXXX XXXXXXXX XXXX  XXXX sent me a letter stating XXXX  now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from XXXX stating XXXX XXXX XXXX has required this alleged account. None of whom I have ever contracted with, it also stated XXXX XXXX XXXX XXXX is the master servicer for XXXX XXXX XXXX, also never contracted with. 
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX XXXX who claims to have purchased this alleged debt from 12 XXXX XXXX XXXX XXXX
Product: Debt collection

After failing to provide written notification of an attempt to collect on incorrectly billed medical debt, the company began harassing me on a daily basis and is continuing to demand payment on a bill they agree was misfiled. I submitted a dispute letter in writing to which they acknowledged receipet and continue to threaten me with legal action suggesting that simply paying this misfiled debt will make everything go away and be easier in the end.
Product: Checking or savings account

Upon request of a XX/XX/XXXXreport i encountered multiple ghost transactions sent through my account under ACH transfers for large amounts of money. The transactions do not show on a regular bank statement but did pop up on the requested report. The transactions date through XXXX and XXXX while the account was open.
Product: Debt collection

Over a year ago I requested, in writing the Midland Credit Management no contact me via telephone and only contact me in writing. I made a payment arrangement with them for 2 monthly payments each month and had automatic payment put on it. After 8 months, I had to change my debit card because it was compromised and I immediately contacted XXXX via the payment portal, updated my payment method with the new card and then wrote them as well and asked to have the account updated for ALL the payments ( to use the new card ). I received a email confirmation that this had been done. Around the end of XXXX I started getting phone calls from XXXX on my voicemail. This directly violated the request FCRA request to cease contact via telephone for me. They continued to contact me every other day until XX/XX/22 when I called them to see what they wanted. I was told my plan had been cancelled and that I was delinquent in my payments. I was shocked needless to say. During the call I arranged to enter the same payment arrangement ( XXXX XXXX x a month ), and provided the new debit card AGAIN, specifying that all the payments should be made to that card. He informed me that I would be charged that day, which my bank account verifies I was. I thought things were fine. Then I started to get calls from them again, again violating the request that I'd made and when I went onto the website recently I specifically checked only contact me in writing. I recieved today account summary stating that I still owe for the XX/XX/22 payment, which was supposed to have gone through on XXXX! I told the company to only contact me through email or postal mail. 

I am filing this complaint because they have violated my written request to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? Equifax is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual.

To create a new password : 1. Go to PayPal.com and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright 1999-2021 XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX : XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.
Product: Credit card

I signed up for a payment plan to buy a piece of furniture with Rooms to Go. Without my knowledge or consent, they signed me up for a store credit card which was how the debt was to be paid After I received my first bill, I immediately enrolled in autopay. Despite my efforts to set up automatic payments, I received a late payment notice. I confirmed my enrollment and then tried to reenroll in autopay to confirm. Then I continued to receive more late payment notices and late fee assessments. After I tried to correct the issue, I ultimately decided to just pay off the debt in full to avoid any further hassle with the company. I believe the company has effectively stolen {$66.00} from me through late fees that were assessed as a result of their own unreliable autopayment system. I spoke with a customer service representative today XX/XX/2023, and she confirmed that this is a common compliant she hears from customers. 

It appears that, at best, Rooms to Go/Synchrony bank is knowingly assessing and collecting late fees from missed payment caused by their own system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalary Portfolio Account was paid on XX/XX/2021 We were told that the account would be removed from the credit as per their policy within 30 days. 
I reached out to the company and they told me that they submitted a request to update the credit as a settled account when in reality the negative account should have been deleted in full as per the policy specified on their website.
Product: Debt collection

these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a auto loan with USAA Savings bank in XX/XX/XXXX the bank closed the account without notification and reopened a second loan without authorization closing the original loan. The second loan opened in XX/XX/XXXX after the first loan was closed was opened without notification or authorization. This account activity has been investigated by FCRA and USAA has been fined for such activities.
Product: Credit card or prepaid card

On Thursday XX/XX/2020, American Express approved me for a new credit card. Application ref XXXX With an annual fee of {$99.00}. When I applied for a credit card with NO annual fee they declined me. Application ref XXXX on XX/XX/2020. American Express only approves me for cards with annual fees, and declines me for cards with NO annual fees. This is not fair. American Express needs to give me a valid reason for this. Instead the American Express rep says its just luck of the draw.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb ; XXXX, Transunion and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I explained prior, the XXXX account is not reporting to my Equifax! It is a open and active account that should report to all 3 CRAs. Equifax has confirmed this account is not reporting, thereby confirming their willful negligence and inaccurate reporting. I have reached out to you all, Equifax, on numerous times to get you all to report this account as it should be reported - 100 % correctly and as an active account. For some reason, you guys refuse to report this account accurately or AT ALL. I have recorded phone calls working with Equifax trying to get this issue resolved, multiple times. I even placed a call with XXXX on the phone to resolve the issue once and for all because XXXX has reported the info to Equifax but they wont report it - this is discrimination and inaccurate reporting in violation of FCRA. You guys have harmed my credit reputation by refusing to report one of my tradelines causing lower scores on my Equifax. This is the entire issue and I am seeking damages and compensation for failure to dispute after being contacted ( I have recorded calls with Equifax refusing to correctly dispute and rectify the issue. At this point, this is willful negligence, Equifax has caused a significant amount of overall damage to my reputation. 

I have proof of recorded phone calls that transpired with me and Equifax. Equifax refused to dispute and/or report the account. Credit reporting agencies are required to report accurately and this has not been done due to Equifax refusing to rectify the issue.
Product: Debt collection

Amerassist reported over {$1500.00} to my credit report for a debt I do not owe. I have spoken with MULTIPLE representatives to advise that the account they are speaking about is not mine and I have spoken to the company XXXX XXXX and have a letter proving this. Along with a signed General Release form. Yet, I still continue to get harsh aggressive letters and phone calls and now the debt is wrongfully on my credit report hindering me from purchases and many other things at this time. 

Will supply copy of the release form if this goes to court for defamation due to the impact on my credit and financial health.
Product: Mortgage

I have a negative item on my credit report from ShellPoint Mortgage Serv which was opened in XX/XX/XXXX. The original debt was with XXXX XXXX XXXX which has since been absorbed by ShellPoint Mortgage. It was the joint responsiblity of myself and my exhusband, XXXX XXXX. In XX/XX/XXXX I filed Chapter XXXX. All of my debts were discharged in XXXX XXXX. I have contacted the company, including an officer of ShellPoint to try to get this resolved on all three credit reports. The company will not correct their records. I am taking significant hits since this is a negative itme on my credit reports, the ONLY negative item. 

Can you help me? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXX XXXX XXXX XXXX XXXX Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, and 15 USC 1681a. My invoice for actual damages and violations will be attached also.
Product: Mortgage

My mortgage was recently sold to a company, LoanCare, and they have been taking my weekly payments and not applying them towards my monthly statement. After the first month I called and spoke to a representative who said he would reallocate the funds and note my account. Even though all of the funds were received by LoanCare well in advance of the due date I was charged a late fee. I called again to get this late fee reversed and was told that the customer service representative I was speaking to was unauthorized to reverse fees. During this same call I discovered that LoanCare still had not credited my statement despite cashing the checks I was sending. Again I requested that the funds ( all paid well before the due date ) be allocated towards my statement and was told that this would be taken care of and requested to speak to a manager who was able to discuss and reverse the late fee. I was denied speaking to a manager and was instead given a voicemail where I left my name and number and a brief message requesting a return call, this has not happened. I attempted to follow up on this request by calling customer service and was placed on hold for 45 minutes with no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX