23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same det, with a balance. As you know, this is not possible and also a violation of my rights. Due to this BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested below deletions are made, please mail me an updated copy of my credit report. 

Name : XXXX XXXX XXXX XXXX Highest Balance : {$12000.00} Account Number : XXXX Opened : XX/XX/year> XXXX
Product: Debt collection

On XX/XX/22, I attempted to pay the Venmo user @ XXXX the amount of {$650.00}. I was expecting a tracking number from him shortly afterwards, however when he stopped responding to my messages, I realized that he was a scammer. I quickly contacted Venmo to report his account and was told that the necessary actions would be taken on his account, but that those actions could not be disclosed to me. I then contacted my bank to ask them to stop the payment. 

Then, the next day, XX/XX/22, I received a reply in the Venmo app to my payment ( presumably from @ XXXX ) that said " Refund will go through by tomorrow account is frozen. '' I'm not sure who made this comment, whether it was him or an Venmo admin person, but when I contacted Venmo, they confirmed that an attempted refund for {$650.00} was made on XX/XX/22, however the refund did not go through. They were not able to disclose the reason the refund was rejected. On XX/XX/22, I received a notice via email that my Venmo account is frozen, that I need to send Venmo {$650.00}, and that this was an attempt to collect debt. 

When I contacted Venmo again, they didn't offer any assistance other than saying, " We take these reports seriously and I can confirm that we will take appropriate action against the receiving account. However, we are not able to discuss the specifics due to our Privacy Policy. ". This leads to me to believe that they also froze @ XXXX 's account and incurred an negative balance on his account as well. If they are trying to collect money from both him and me, then I believe that would be considered double dipping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, Transunion, and XXXX that pertains to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has Reported XXXX credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also XXXX closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal
Product: Debt collection

On XX/XX/2024 at XXXX, I missed a call from ( XXXX ) XXXX. A man named XXXX left a voicemail stating that a complaint was issued for my residence, listed my address and my name and maiden name. He also called friends and family of mine, left the same message saying he was looking for me. I called the number to find out who they were and to request something in writing from them if it was in fact legitimate. A different man named XXXX answered saying he was in the XXXX XXXX and the client that " dispatched down '' the complaint was US Bank, he was trying to collect on an account that was closed over XXXX years ago. I had to ask several times who he worked for and I never got an answer, he hung up on me. 
At XXXX, he called back from a different number ( XXXX ) XXXX and began to threaten my life, my father 's life and my children 's lives. He yelled XXXX and XXXX  slurs and threatened to mess up my entire life, told me my social security number and said he was going to ruin everything for me, that I needed to go back to my country. I blocked both numbers, called the local police and filed a report.
Product: Mortgage

I recently applied and closed a refinance mortgage for the amount of {$450000.00} from Rocket Mortgage by Quicken Loans. {$320000.00} paid off the balance of my previous home mortgage and I was supposed to receive the disbursement amount of {$100000.00} after closing on XX/XX/2021. I requested this disbursement amount to be wired to my bank as shown on the attached application form. However, the disbursement amount would not show few days since XX/XX/2021. I thought that it would usually take few more days to complete the transfer process. After more than a week passed, I decided to call Rocket Mortgage to find out what was going on. While trying to reach out to the right person, I was tossed between difference extensions numerous times as usual for the big company. In the beginning, they denied any flaw in their process and claimed that the disbursement was wired to the right bank account by using the information I provided on the application. However, during their internal investigation later, they found that their title company, XXXX, had sent the money to the wrong routing number. Firstly, I could not understand how this could happen, however, I accepted their explanation then demanded to reimburse the interest amount for 10 days which I had not receive this fund. They calculated the interest amount for 10 days and they sent me the check via XXXX. We made sure of the right routing number and they promised to resend the amount immediately. 
Few days passed and there was no fund showing on my bank account. I reached out to Rocket Mortgage and went through the very same process to explain all over again. 
They still insisted the money was sent to the right routing and account. Later, of course, they found that XXXX had sent the disbursement to the same wrong routing number they had sent first time. Since then I have been calling and requested to send me my disbursement immediately because I need this fund to pay the general contractor for my home renovation. After 2 months, they are not doing anything to resolve this issue and continue to tell me they can not do anything until they retrieve the money back from the wrong bank account they have sent. Why am I being punished for their mistake not only once but repeated?
Product: Money transfer, virtual currency, or money service

I used the bill payment service offered by XXXX in XXXX to make payments to my credit card account at XXXX  ( the receipts and details for those transactions are below ). Later, XXXX issued a partial refund of one of those payments back to XXXX. XXXX received {$410.00} on XX/XX/XXXX from XXXX, with the ACH trade ID number of XXXX. The document enclosed shows that ACH transfer and includes the ACH trace ID number. I have contacted XXXX multiple times about this refund and they refuse to even investigate it without me providing the XXXX account number that this refund was processed to ; however, I do not know this number and I can not obtain it. XXXX will not provide the XXXX account number because I am not the owner of that account - XXXX is. XXXX can confirm the transaction for {$410.00} using the trace ID number, date, and amount that I provided, verify that transaction, and refund those amounts to me. They have not responded to multiple requests for this. 

Here are the original reference numbers for the payments I made to XXXX using XXXX  : reference number - XXXX XX/XX/XXXX - {$4900.00} reference number - XXXX XX/XX/XXXX - {$4900.00} I am also attaching my receipts for these payments.
Product: Debt collection

1. Midland Credit Management , Inc. is an American debt buyer- The XXXX XXXX XXXX remove this account do to being open as Fraud Midland purchased the debt- The original company removed and deleted it from all three major credit bureas- Midland is threating me to send to Attorney in which I don't care because i dont owe it 2. XXXX XXXX XXXX- Did remove this item XXXX. XXXX XXXXXXXX- Open without my consent Please know I am a victim of identity theft and Midland is trying collect from me being suc a Victim- This account was paid on without my consent and opened without my permission. 

Once I find a suspect- I will file charges- These companies can not provide you any proof of opening this account in your name but try to collect. 

I will fight in court any day to prove my innocence. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Comenity Ann Taylor XXXX XXXX  XXXX that I have only used at an Ann Taylor/XXXX  store or, on line. XXXX of 2021 several charges began appearing from a company called XXXX XXXX which according to their web site is a supplement and diet company. There were also charges for XXXX and a gym membership in XXXX  and I live in XXXX. The company reversed all the charges and opened a new account for me. Then they transferred the fraudulent charges from XXXX XXXX to my new account. I began another campaign to have them remove the charges as I did not make them. I was told to call the phone number, which I had already done and the phone number is NOT A WORKING NUMBER. They gave me an email address which goes nowhere to have the subscription I initiated stopped and to get a credit from them. A. I did not at any time subscribe to this company ; and, B. Comenity is the one who won't investigate the fraudulent charges. I was then told I had been given 3 chances to prove that I did not make these charges and since they won't accept my pleadings, they are done. Since Comenity is in Ohio I reached out to the fraud department through the Ohio Attorney General and they directed me to this office. I have the statements and a recap of what I have sent to them to support my claim. I have been told by them that it is my responsibility to have this rectified with a company who has not working phone number and who does not respond to emails.
Product: Debt collection

I opened up my first credit card this year with XXXX  XXXX XXXX then I downloaded XXXX XXXX to make an account to make an account using my social security card and it said it was already being used. I tried many ways to get access the account and I logged in and saw a collection from XXXX  that I did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

We used to live in and moved from XXXX XXXX XXXX to XXXX XXXX around the time 2011. We paid the bill with in 30 days of us receiving the bill at our new address. Because of our move we did not receive the bill and were not able to pay it on time. I have NEVER been late on paying my bills. Even though this bill was paid as soon as we received it in mail, it is still showing up on my credit report and lowering my credit score. This is making difficult for us to secure a mortgage. I had requested the company to expunge this account from my history but they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reflecting my credit report and it does not belong to me. I have spoke to XXXX XXXX with an agent by the name of XXXX XXXX he informed me this account is not in their system under my personal information, FULL NAME, DOB SSN. I have spoke to them a times and they dont have any record of it. I have filed a police report, FTC complaint and tried disputing it with Equifax but I have not had any success. I have a copy of my lease which shows I have been renting the XXXX XXXX  around the same date. This account does not belong to me
Product: Debt collection

This company is very abusive. They will not try to take a {$20.00} payment when they know you have XXXX and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.
Product: Debt collection

I received a call from this Account Control Technology at XXXX  XXXX time from XXXX. I was n't able to answer the call, but called back at approximately XXXX. I followed the prompts and got " XXXX '' on the phone. XXXX took my cell number and attempted to contact the department that was handling the claim. XXXX came back and told me that that department was closed and that I 'd have to call back. I asked how that could be since they JUST called my house. She said that they were calling to " get my attention ''. I asked what would have happened had I answered the phone, and she started to repeat herself. When I tried to ask how they could possibly have closed in the 5 minutes it took for me to return their call, she got irate and screamed into the phone " have a nice day! '' and hung up. I called back, and got her on the phone again. I told her that I 'd be reporting the calls, and she hung up the phone on me. I have no idea what this company is calling about, and I want the calls to stop if they have nothing to do with me.
Product: Checking or savings account

I filed a dispute with my Bank Chime on XXXX for Transactions that have been Unauthorized from merchant Ubereats. There were several charges from this Merchant that I didnt perform, I spoke with a representative from chime and let her know that my account information was stolen. They informed me that they will do an investigation and within 10 days if the investigation isnt completed they will provide me with provisional credit, I do believe that not even XXXX hours they denied my dispute, so I disputed the charges again and they denied my dispute once again. I have told them that I have reached out to XXXX about the situation and XXXX claimed that someone made an account in my name and that is also unauthorized by me as well. The charges date and amount will be below. 
The charge is in the amount of {$360.00}. XXXX. 
XXXX. XXXX XXXX {$8.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$23.00} 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 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
Product: Bank account or service

My mother, the owner of an IRA at Synchrony Bank passed away on XXXX XXXX, XXXX. As the executor of the estate of my mother, I contacted Synchrony Bank on XXXX XXXX, XXXX and informed the representative of her passing. The representative indicated that a copy of the death certificate would be required to cancel the Required Minimum Distribution ( " RMD '' ). I explained that the death certificate had not been finalized and stressed that a RMD should not legally be made to a deceased person. The representative checked with their supervisor and confirmed that they would be able to put a stop on all future RMDs without having a copy of the death certificate. 

On XXXX XXXX, XXXX, I mailed via certified mail an original death certificate, a copy of the will and a copy of my driver 's license. Synchrony Bank received this package on XXXX XXXX, XXXX pursuant to the tracking information received from the United States Post Office. 

On XXXX XXXX, XXXX, Synchrony Bank distributed an RMD in the amount of {$1100.00} into the savings account referenced above. On XXXX XXXX, XXXX, Synchrony Bank issued me a cashier 's check in the amount of {$600.00}. The check represented my beneficial portion of the balance of the savings account. This check was issued in error. It must be voided and the funds returned to the IRA account of my deceased mother. Failure to do so will cause this amount to be classified as an IRA distribution for me. This will result in a taxable event and financial harm to me as beneficiary of the IRA. 

Dealing with Synchrony Bank during this difficult time has been XXXX of the most horrible experiences of my life. The incompetence at this institution and their inability to update their system properly to avoid mishaps is staggering. Since XXXX XXXX, XXXX, I have contacted Synchrony Bank by phone 10 times to resolve several issues. I have sent in multiple documents only to be told on several occasions that they did not receive them. Synchrony Bank has refused to work with me directly to manage the creation of the inherited IRA accounts for my siblings, even though I am the executor of the estate. I have had to micro-manage their staff to ensure that they follow through on the promises they have made over the phone. 

All of this communication has taken place yet my mother 's accounts are still not resolved and errors continue to be made by Synchrony Bank. The amount of time required to resolve these issues has been unacceptable and extremely stressful. I can only assume that they have no interest in resolving matters quickly since it will mean the loss of a significant amount of money from their institution. Purposeful delay to retain account balances under the guise of incompetence is still unethical.
Product: Checking or savings account

I recently opened my account in early XXXX of XXXX  I had to place money in the account to ensure the opening of the account so that I could receive my tax return upon receiving it I made a few purchases and I got up running late to get my Daughter to school I then realized I did to have my debit card I send my godmother some money for my purchases I went home and looked for my card and couldn't find it I then called Citi Bank they kept telling me that I made transactions at the location several times and have been for a couple of years i asked them how when i just opened my account he got really rude i have been filing dispute after dispute and I keep being told the same thing now as of recent my exhusand sent some money for our children through XXXX and it says received but its not in my accounnt
Product: Debt collection

I am a customer of Ditect Financial LLC and I have a mortgage loan with the company. I have been regularly paying off my monthly bill without any delay every month. And I have been doing this through a standing instruction through my bank. In the month of XX/XX/XXXX, my premium increased by {$28.00} from a monthly payment of {$1600.00} because of an annual rate change.

Since I had set the payment method as automatic, my bank sent them the old amount of {$1600.00} which was short by {$28.00} in XX/XX/XXXX. As soon as I realized the problem, I made the additional payment of {$28.00} within 30 days. However, when I received by bill dated XX/XX/XXXX, I was slapped with a late charge of {$82.00}.

I called Ditect to explain the situation and requested them to waive the late charge since I thought it was unfairly high and more so because I have not defaulted before and that too it was a genuine oversight which I corrected immediately. They refused to comply stating that the fee was justified. I requested to talk to the supervisor who also declined my request.

I am being asked to pay a fee of {$82.00} for a late payment of {$28.00} by about 15 days.

Ditech seems to be engaging in unscrupulous and unfair means of collecting additional fees from its customers. I would like the situation to be rectified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a case with CFPB in XX/XX/2020. It was resolved on XX/XX/XXXX when synchrony bank- care credit- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in XXXX. We have tried disputing it with XXXX several times with no luck, using the letters provided to us by Care Credit on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX afternoon, I buy the XXXX XXXX XXXX on XX/XX/2022 through XXXX XXXX XXXX XXXX XXXX XXXX this auto loan to XXXXXXXX XXXX and we don't know about this, we don't know where to pay who to pay and on XX/XX/2022 XXXX reported to credit bureaus as a 30 day late payment, because of this my credit score fallen to XXXX from XXXX, today my mortgage loan XXXX called me he said he can not approve my loan if this issue not got fixed, I have called XXXX XXXX and I explained the situation why the first payment was not made, XXXXXXXX XXXX  person asked to raise the dispute with credit bureau and XXXX credit bureau XXXX XXXX XXXX XXXX  for explanation they can take care.
Product: Debt collection

Mountain run sent contracts with my forged signature to collect a debt that expired by statue of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have  called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
Product: Credit card

I requested a balance transfer from XXXX XXXX made to CITI Cards for account ending XXXX. CITI cards applied the transfer dollar amount of {$2000.00} to card ending XXXX. Why was the transfer applied to account ending XXXX? and not XXXX? 
Please send copies of all monthly account statements for XXXX XXXX XXXX account XXXX ( not including XXXX ) beginning XXXX account opening through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with trans union and with XXXX XXXX services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge