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

I was scammed in a rental scam. The guy had assumed someone elses identity and proposed renting a house to me. I sent {$1000.00} for deposit via XXXX. Then the next day the guy wanted more. Then I knew I had been duped. I immediately sent to US bank fraud department. They stated the transaction was legitimate and will not refund my money. Transaction occurred on XX/XX/21. US bank would not send me records of their investigation. They just said in a letter that transaction was legitimate and not refunding money. I called fraud again and they will not send me information about investigation. 

I attached some screen shots. He had me fill out application sent via email. The XXXX account he created I. The fake identity wifes name. He had a lot of information on the identity he stole.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

This is a clear violation per 15 U.S.C. 1681 et seq. 

I've also included responses from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2020 we switch my son 's cell phone from XXXX to XXXX XXXX XXXX . I have documentation to show the switch. In XXXX XXXX, 2020 after disputing the charges of {$400.00} for months of charges i did not owe since the account was closed, XXXX  credit them back. Then on the same day they charged a full months plan fee. The bill literally state XX/XX/XXXX thru XX/XX/XXXX. Since the account was closed in XXXX, XXXX could not charge me in XXXX. 
Also the recorded phone conversation that corrected the {$400.00} credit would show that XXXX admitted they mischarged the accountand did not close the account when request and number was transported over to another company. 
I can not get this resolved through XXXX because they refuse to talk to me since the account is in collections and the Law office handling the case for XXXX XXXX to collect - Maury Cobb LLC tell me the only thing i can do is pay the bill. 
When I spoke with the Credit bureaus all they do is call the collection agency which of course says yes i owe it, without even looking at my documentation.
Product: Debt collection

The account is under HP Sears who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with XXXX  only for them to just update that it was verified but not providing me any other information. I reached out directly on XX/XX/30 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me ) that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to HP Sears and before I could say anything he immediately ended the call. I was transferred to HP Sears where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what HP Sears is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA rights.
Product: Credit card or prepaid card

On XX/XX/2019 I called Brinks Prepaid card and advised that a merchant had drafted my account for {$210.00} and the rep stated no worries we can reverse this transaction and the manager has to do it since its such a large amount and the reverse of the transaction was successful the money was placed in my account. I went on to shop for my son school supplies my end of the day balance on XX/XX/2019 was {$100.00} well on Sunday XX/XX/2019 I went to the atm withdrew {$20.00} and went the grocery store and spent {$47.00} which left me with a balance of {$35.00}. I went to the gas station on Monday XX/XX/2019 and the sale was for {$13.00} it was declined well I immediately went to the car and called to check my balance which stated negative {$170.00}. I called Brinks and was advised the merchant was able to withdraw the money on Sunday XX/XX/2019 I was shocked I stated how when the money was not available and this is a prepaid company. The rep stated the merchant did a hard authorization meaning they requested money with no dollar amount on there and the transaction was able to go thru I was highly upset because I am like I called on Saturday morning why was none of this advised to me so I could cancel the card and get another card until I talked to the merchant. My issue with Brinks is that I don't work for your company and when an customer calls in and has an issue you should be able to let them know and I had been with this company for 4 years and even thru the investigation I requested a provisional credit until the investigation is over with however that was declined until two weeks later they said a possibility of update on that is XX/XX/XXXX I am like in the meantime this has affected me I have a child support check that goes on this account for {$160.00} Brinks will take all that until this matter is resolved I get paid every two weeks and my child support helps me on the weeks I dont get paid.
Product: Credit card or prepaid card

I had an adjusted balance due on my Amex Gold card of {$2000.00} due on XX/XX/2022. I payed {$2000.00} on XX/XX/XXXX. I forgot to pay the remaining {$24.00} till XX/XX/XXXX, but paid it as soon as a remembered. I was charged a late fee of {$29.00} posted XX/XX/XXXX, but it did not show up in my account to me till XX/XX/XXXX. I asked for a refund based on my past payment history and because it was only one day late, but was denied through the Amex Chat. Since the {$24.00} was not going to be pulled from my bank account till XX/XX/XXXX anyway because of the XXXX XXXX holiday, charging a late fee, especially one that is larger than the remaining balance, for this payment seems unnecessary. Additionally, when I asked if this would be reported to credit agencies, I was told I would have to call a separate group, that it could not be answered in the customer service chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint regarding the recent investigation. I disagree with your findings and request a reassessment for complete accuracy. I am not convinced that sufficient effort was made to contact the creditor reporting this information on my report. I now ask for more details on the following accounts : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4000.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$260.00}.
Product: Debt collection

Contacted by " IQ DATA INTERNATIONAL '' on XXXX via phone. Chatted with Customer Service on XXXX IQ Website via chat window. 

Unable to verify amount of debt, threatening to harm my credit. Never received any notifications from Leasing Office. IQ DATA is demanding payment immediately. 

No letter from " IQ DATA INTL '' regarding debt. Customer Service Chat refuses to disclose email address to contact IQ DATA. 

Agent at XXXXxXXXX will not disclose age of debt, amount, line items. Agent states letter was sent yesterday ( XX/XX/2019 ). 

Have several emails from LEASING OFFICE stating that I was not liable for clean out costs, yet agent says I am still responsible for them. 

Thank you, please reach out with any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with TRANSUNION. Delete this unverified account immediately ( US BANKRUPTCY - XXXX ) The FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!
Product: Checking or savings account

On XX/XX/23, I received a letter via mail to my address in regards to overdraft service protection being turned on for an account that I created. I called the bank and their fraud department was closed at that time, so they helped inform me that an account was created using my name, address, birthdate, email, phone number, social, and drivers license. The bank directed me to a location on Monday to go address in person. The bank called the fraud department on my behalf and indicated that the account was created online on XX/XX/23 with my license number. The account was approved with matching information. However, my drivers license information is different from the information that is on the application and I am currently living at. This should have triggered a red flag of inconsistent information. The account did launch live and was able to proceed in set up.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged 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 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 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
Product: Debt collection

XXXX placed a debt on my credit report in XXXX. The debt was charged off in XXXX. I never received any communication and they sent me to Cawley and Bergman in XXXX to collect the debt. I asked for proof. To no avail. Cawley and Bergman sent me a letter in the mail stating that I owed {$16000.00} to a debt that was already charged off in XXXX. I never stated I owned this debt and started a payment plan because I was threatened by Cawley and Bergmans XXXX XXXX XXXX XXXX. We negotiated to {$8000.00} but according to the supposed debt it was {$14000.00}. XXXX then sent to the credit bureau that I was 90 days past due on my payments. I paid {$2000.00} last XXXX and paid {$250.00} per month totaling $ XXXX {$8000.00}. According to the law, web bank sold my debt and received a tax credit for the debt. Ive reached out to them asking for my payment history and original signature on the debt. This has yet to be done. XXXX XXXX also uses scare tactics like stating my ss # when I call to speak with him.
Product: Credit card

The name of the credit card company is ASPIRE, and the card was issued through the XXXX  XXXX XXXX. The explanation of events depicted on the earlier page within your complaint process sums up everything to date. 

However, I want to reemphasize that the LAST customer service representative I spoke with assured me that the request for paper statements after cancelling my card for my protection would be granted. 

I have yet to receive a paper statement, instead, all I receive is repeated text messages asking me to pay {$89.00}. 

I made it perfectly clear that I will not make another electronic payment based upon the agreement made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX this past weekend on Sat XX/XX/XXXX to purchase a new home. They stated they would have to cross qualify me. I did not authorize or sign anything for them to run my credit. I did fill out the basic paperwork and contract which did include my ss #. However, I told the lender I would have my lender send them all the current information I just gave them. I had the lender from XXXX XXXX XXXX call me on Sunday  XX/XX/XXXX stating he would need some information. At that time, I told him I was on vacation until a week more and told him not to run my credit as my current lender would send him all my recent information. I received notification today from my credit company that a hard inquiry was made on my account. I spoke with him and he admitted to running my credit today and said he thought he had the form. I am super upset that this person XXXX XXXX took it upon himself to do this. This has now lowered my credit report number. His information is below. XXXX XXXX Loan Originator KBHS Home Loans LLC XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Debt of {$1100.00} was paid in XX/XX/year> - debt is still being reported as of XX/XX/year>. 
I called to make payment for another balance owed and asked that I first receive the requested documents above, and the company declined me those documents. I asked for them to be sent via email and certified mail since I was supposed to receive them over 30 days ago. The manager I spoke with stated that he could not email or send those certified. He also stated that the company was not reporting the balance to the credit bureau any longer. Our credit was pulled today and showed they are still reporting negatively for the balance stated above. I then informed the company that I would not be paying the other balance until I had the requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 last year my student loans were paid off in full as I had them through Fed loan servicing. At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. XXXX put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my XXXX payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company placed this on my credit report, when I was affected by a natural disaster that's out of my control after asking for removal. 

Spring oaks capital llc is the company XXXX XXXX XXXX  is the original creditor Their information was very confusing & credit terms are not clear.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card had 5 unauthorized charges from XXXX XXXX XXXX XXXX ( the merchant ) in the amounts of {$99.00}, {$11.00}, {$99.00}, {$110.00}, and {$99.00}. I flagged these transactions as disputes which Wells Fargo immediately provided refunds for with an extra credit of {$11.00}. On XX/XX/XXXX, I owed the bank {$11.00}. 

On XX/XX/XXXX, there were both a charge and a credit of {$99.00} on my card so no change to how much I owed. 

I was sent a new card in the following days and all fraud charges and credits were transferred to the new card and the {$11.00} that I previously owed was also charged back to the bank. So by end of XXXX, everything balanced. There was nothing that the bank or I owed to each other. 

On XX/XX/XXXX, the merchant credited me {$99.00} twice. The bank charged me on XX/XX/XXXX and XX/XX/XXXX for the same amount balancing everything again. However, this time on XX/XX/XXXX the bank also charged me an additional {$99.00} and {$110.00} which do not reconcile with any credits that I have received. 

I have contacted the bank numerous times ( over 20 ) and there has been no resolution. They understand the issue but refuse to do anything about it by transferring me from one department to the other. 

I am attaching a color coded spreadsheet that details each transaction that has been part of the fraud. These transactions are straight from monthly statements that the bank has provided. The rows at the end that are not highlighted do not reconcile. If you need more information, please let me know.
Product: Mortgage

I have a loan with LoanDepot in TX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX The mortgage is in good standing with no late payments. I have an escrow account attached to pay county property tax and homeowners insurance. 

The issue is with the disbursements for the property tax. After multiple emails and website messages ( most of which are ignored ), they told me that the property tax would be paid " in XXXX ''. On XX/XX/2023, XXXX XXXX ( LoanDepot ) finally stated that " I have reviewed your loan and taken a look at your county website. I notice on the site that a payment of {$12000.00} is to be made by XX/XX/2023. Following a review of your loan, a tax payment of {$12000.00} was recently sent on XX/XX/2023. Your tax payment is expected to be received on time, as it was wired. Thank you for bringing this to our attention. If you see any fees applied to your taxes due to the payment being received late, please let us know, and we will be glad to assist. '' As of XX/XX/XXXX, XXXX XXXX has not received the payment and it's due on XX/XX/XXXX ( next business day ). The above response does not have any tracking information, and the " we'll be glad to assist '' does not commit to paying a {$1200.00} late fee on a missed property tax payment. 

Most messages and emails to LoanDepot have gone unanswered. I sent a message to their " escalations '' department today and got one phone call from XXXX XXXX ( ( XXXX ) XXXX ). I missed that but immediately called her back ; no answer straight to voicemail and no response after 90 minutes. 

I'm tired of chasing this company around to get a tax payment done. I chose to have an escrow account *for convenience* and for assurance that taxes would be paid on time or early if I request. 

They are unprofessional and not transparent at all in their operations. Their support website is absolute trash. 

Help me fix this.