23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

What good is this portal, if you accept a company 's response, even though answer was FULL of mis-truths, but you accept it & close the claim? I filed complaint # XXXX, which was closed as soon as the company responded. I had to edit original complaint MANY times, due to website 's character limits.There were MANY facts omitted, I thought more info would be requested later.Appears to be total waste of time. I overpaid my mortgage for 2 months by over {$300.00}. but I managed, did homework to get it fixed, but many errors were made by company in process. They opened 2 help tickets on XX/XX/XXXX-one to update taxes, other to re-analyse, was told would get new analyses 7-10 days later. When called on XX/XX/XXXX, ticket to re-analyse was closed on XXXX, because taxes were not updated. Verified by phone, prior to XXXX insurance payment being sent, new declarations page had been received-payment amount info had not been updated. Why are you here, if not to help consumers?
Product: Checking or savings account

I used the " Pay Bill '' feature in the online system of Citizens to pay a bill. 
They printed the wrong account number on the check ( seems like a random number, certainly not an account that I have with them ), the check bounced, now they want to charge me late fees. 

Attached is the transactions -- I have no account number ending in those numbers!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Fraudulent transaction on XXXX app with XXXX and synchrony bank for an XXXX inch television XXXX, never received never had communication with seller, listing and seller vanished as soon as I tried to report problem two days later. Seller on XXXX is huntethiel vanished when I tried to report fraudulent transaction. I have supplied sufficient documentation showing I never received item but the bank will not rule in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XX/XX/2015 XXXX XXXX XXXX  {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$420.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance Owed : {$870.00}
Product: Money transfer, virtual currency, or money service

I was scammed for {$350.00} by a girl named XXXX XXXX and by her partner named XXXX XXXX. I was scammed for 2 concert tickets for me and my cousin and she did send me the email of the ticket transfer to my email but instead at the end she made it more complicated to receive the tickets so at the end I got scammed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received an email from the company Affirm stating a loan was approved for {$530.00} for a purchase from XXXX. I emailed them right away disputing the unauthorized charge. I did not place that order. I have emailed them and called them numerous times disputing this transaction. They have been no help. I receive emails from them stating after their investigation that I am responsible, I disagree with their findings because I did not place that order and open any loan. On XX/XX/year> I called XXXX to inquire about the order because I do have the order number, I figured maybe someone on their end could help me. XXXX order # XXXX is what I'm disputing with Affirm. I was able to find out that another email and phone number was used with my name and information. XXXX did send me an email and I forwarded it to Affirm but they still say I'm responsible for this fraudulent charge. As I stated before, Affirm has not been much help and I have been a victim of fraud. This has impacted my credit score tremendously. I have been trying to address this since XX/XX/year>. It is being reported on my credit file and it is not mine.
Product: Mortgage

I had refinanced my mortgage which closed on XX/XX/2016. Nationstar mortgage company still has not refunded my escrow balance ( property tax in this case for {$1900.00} XXXX. I have been in contact with them since middle of XX/XX/XXXX, and each time representatives would assure they are taking a step, initiating the request, and so on. Their original excuse was that they sent the check to XXXX. I called XXXX, and they informed me that they received the payment from new escrow account but never received anything from Nationstar. I was informed that the balance was in the system, and that the check would arrive before XX/XX/XXXX for sure when I called before XX/XX/XXXX holidays. It never came ... After numerous phone calls lasting about XXXX min each time, the representative from yesterday said it would take another XXXX weeks to request the check but would try to expedite to be processed in XXXX business days, which means I would receive the check in middle of XX/XX/XXXX. I was upset and asked to speak to a supervisor. XXXX, supervisor, said he would investigate and follow up with me personally and get the check sent out asap. I really do n't trust anything they say at this point. I refinanced another property exactly at the same time, and the other lender sent escrow refund check to me in middle of XX/XX/XXXX. Nationstar Mortgage company should not take XXXX months longer than other lenders to refund escrow balance owed to customers.
Product: Credit reporting

On my credit report, my negative accounts are repeated. It looks as though I have more than I actually do. the loan for sallie mae says " paid as agreed '' but It also appears saying " XXXX days past due ''. Most of the accounts are showing up multiple times, and with conflicted reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I submitted a dispute to Equifax regarding an improper collections reporting on my credit report. I submitted a letter from my health insurer indicating that the collections was pending a claims payment and I was not responsible for the payment. The collections agency is improperly reporting the claim even though they are aware that I am not responsible for payment and my insurer is paying the claim. Equifax resolved the dispute on XX/XX/2023 and stated the collections was accurate. I am not responsible for the collections. Equifax 's site does not allow me to locate the contents of my dispute and I did not receive a copy of my dispute for my records. Equifax continues to report the collections even though they were provided the necessary information to remove it.
Product: Debt collection

This had been an on going issues for three years. 
Original was from XXXX XXXX XXXX ( or they said they are XXXX XXXX  XXXX This cellphone account was opened at New Jersey, where I have never been and phone bill unpaid for up {$1500.00}. I have called XXXX XXXX XXXX and told them that was not me because it was not my name. XXXX XXXX XXXX tried to get my name and I would not tell them because if I have opened that account, they should have known my name. Therefore, they have transferred this bill along with my address to different collection companies. 
When I called XXXX XXXX XXXX, it couldn't get into the fraud account. It said there were passwords. It made me wondering because what kind of company will open an account that their own administrators can't get in? Maybe it is an inside job? Maybe XXXX XXXX XXXX is also an fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2022, I sent Transunion a dispute letter to dispute the inaccuracies on my credit file. On XX/XX/XXXX, I received a response from Transunion that stated, I hired a credit repair company. 

Their is no law that states I can not hire assistance with helping my credit file. They failed to give me a full investigation of the accounts on my credit file.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Credit Reporting Agencies What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent accounts include : A credit card at XXXX XXXX  Delaware, opened XX/XX/XXXX. 
A credit card at XXXX  XXXX XXXX, opened XX/XX/XXXX. 
Another credit card at XXXX  XXXX XXXX, opened XX/XX/XXXX. 
A credit card at XXXX XXXX, opened XX/XX/XXXX. 
A credit card at XXXX XXXX  Delaware, opened XX/XX/XXXX. 
These accounts have resulted in fraudulent hard inquiries and collections on my credit report. I have attached an FTC Identity Theft Report ( # XXXX ) as evidence and a copy of my credit report showing these fraudulent items. 

I do not recognize these accounts or related inquiries and affirm they are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience, XXXX, XXXX  refuse to stop an eviction that is on all three credit reports. From XXXX  XXXX XXXX XXXX New Jersey which was over 7 years ago. It is damaging me to find a place to live. XXXX XXXX keeps reporting the eviction that happened in 2012. I need this to cease it keeps going. The statue of limitations is over. And it needs to stop being reported. Under the fair credit practices act. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Leased a bike from Motolease XXXX of XXXX. Was told would not be on credit and could terminate lease anytime if not satisfied without credit reports. Returned the bike XXXX of XXXX to the dealership/leader. Was told account was closed. I then started getting billed for balance still owed on bike. The account has been reported on my credit every single month since it was returned/repossessed. It is showing up on my credit and behind payments. I have tried to dispute multiple times over the last 2 years. I even called Motolease to get resolved. Last call to Motolease and dispute was today XX/XX/XXXX. This account needs to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( XXXX  ) . 15 USC 1681 section 602 A states have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Item Demand for Immediate Removal Reason for Dispute : Absolute Resolutions I am disputing the accuracy and validity of the above-referenced account on my credit report. This account is inaccurate, unverifiable, and has not been properly validated by the creditor. Under the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to ensure that all information in my credit file is both accurate and verifiable.

The continued reporting of this item violates my rights under the FCRA. As such, I am requesting the immediate removal of this account unless the following can be provided : A copy of the original signed agreement that created this debt.

Proof that the creditor has the legal right to collect on this account.

An itemized breakdown of the balance, including the principal, interest, fees, and any payments applied.
Product: Student loan

Navient ( former XXXX XXXX ). Is threatening and ruining my credit score because they are a backwards company. XX/XX/2014 I had made a payment of {$930.00} to make my account up to date. XXXX days later I made another payment for XXXX of the accounts for {$170.00}. Navient is claiming that I still have not paid the XX/XX/XXXX payments and other payments throughout the year. They have sent numerous credit reports stating I 'm this far behind when I'am not. I sent Navient a printed payment history from their website and highlighted each loan payment in a different color for each loan stating when it was paid and the amount. They are still threatening that this is behind calling family members who are not immediate asking for my co-signers. Im trying to resolve this situation and pay my loans but it is impossible to work with this company and they are affecting my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report INACCURATE. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that Experian provided. I contacted XXXX XXXX XXXX  and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from Experian you will find that the Date Opened is XXXX XXXX. The XXXX history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided Experian document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXX XXXX XXXX.
Product: Debt collection

I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with Monterrey Collection SVC I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act violation. 
The following accounts : XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Debt collection

Credence Resource Management reported to XXXX   that they were the " Collection Agency/Attorney '' for XXXX and reported that I owed {$530.00} to XXXX and that XXXX should report in on my credit report as " PLACED FOR COLLECTION '' on XX/XX/2019. I have never received any services from XXXX. I first contacted XXXX by phone asking about the debt and they told me they could not find any account for me. When I asked why their " Collection Agency/Attorney '' had reported the debt to XXXX  they stated they would put me on hold and contact Credence Resource Management. They left me on hold for a long period of time before finally taking me off hold and immediately hanging up. That call lasted 42 Minutes and 6 Seconds. While still on hold with XXXX I called Credence Resource Management on another  phone. I was transfered to 4 different people claiming to be " Customer Service '' in the first instance, " Collections '' in instances 2nd and 3rd and " the Legal Department '' in the 4th instance. Each person told me they were not able to locate the debt and asked for a lot of personal info, which I provided and also asked for the XXXX account number, even though I had explained several times that I had never had an account with XXXX. I finally hung up after realizing there was no attempt at all being made to help me and instead was being transfered around a call center as a tactic to wear me down and I hung up. That call lasted 41 minutes and 51 seconds. I then contacted XXXX and disputed the {$530.00} entry for all the reasons mentioned above. XXXX   states I will receive the decision in the dispute within 30 days. Based on the many complints I see online about erroneous XXXX debts being collected by Credence Resource Management and the experience I had with neither of these companies making any attempt to resolve the issue, I feel something sholld be done to curb this activity from continuing.
Product: Money transfer, virtual currency, or money service

Tried to cash my check with my regular bank and was denied and they are closing my account soon. Also tried a check cashing place who also denied my check and did not have a reason for the denial
Product: Credit card

I called target credit in XXXX about my redcard. I paid off the balance of the card and was advised that a replacement card was on the way. I called XXXX again XXXX XX/XX/year> at XXXX. I was advised by a person claiming to be a Supervisor that my account was still on a payment plan despite the account having a XXXX balance. I advised him to look at my account again because it can not have a payment plan without a balance due. He stated there was nothing he could do. I was also advised that the card would take 7-10 business days. I told him I had already waited several weeks and I should not have to wait another 7-10 days for a card. This " Supervisor '' then hung up on me. I called back at XXXX XXXX and spoke to a XXXX XXXX She advised that she was told by the payment plan department that the payment plan would remain in place until XXXX and there was nothing that could be done. Even though there are not payments to be made and she could not have another card issued to me. I requested some sort of email confirmation of this and she refused. She stated she would attempt to request a card but could not guarantee it would work and I would have to call back to see it if worked.