23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not know what I am being penalized for. 

All of a sudden, I start receiving Late Payment notifications on my Credit Score. I do not know what this could be from. 

I have never previously missed payments for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX XXXX : Case # XXXX : XXXX XXXX Dear Mr./Ms. XXXX XXXX, XXXX, Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX  with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX Business Review as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' Please note, the text of your response may be publicly posted on XXXX 's website. XXXX reserves the right to not post in accordance with XXXX policy, and we may edit your response to protect privacy rights and to remove inappropriate language. 

We appreciate the opportunity to be of service, and sincerely hope you will contact us for pre-purchase information. 

Sincerely, XXXX  Dispute Resolution Department The owners of the property, XXXX XXXX XXXX, through their agent, XXXX XXXX improperly ran my credit twice before I became a resident. Their inquiry is listed as a " hard inquiry '' even though, I was approved the moment I went in. To this day, they refuse to acknowledge their perverted acts perpetuated by their agents and their leasing staff. 

Once I attempted to gather information to begin a private business, in their facility, they salivated to help, however they only did so when their was no one else around. I shared my business idea with countless people in their front office and told them of my situation, however, instead of attempting to assist when their payment system was down they cahrged countless fees and attempted to evict me BEFORE checking to see why I was unable to unpay. 

Their actions, in conjunction with the Texas Workforce Commission and XXXX XXXX at the insurance company tasked with assisting me following my XXXX XXXX XXXX are the reason I was unable to pay. 

Their negligence lead to XXXX XXXX being fraudulently taken by XXXX XXXX and their agents. Their negligence is responsible for my " eviction '' and instead of helping, they threatened to evict me over 2 noise complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. XXXX contacted my credit card company Citi Finanacial and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score, instead of raising it.
Product: Money transfer, virtual currency, or money service

I placed a wire transfer from my XXXX XXXX account ending in XXXX to Coinbase, Inc for a total value of {$3500.00}. The transfer cost me {$25.00} up front and {$10.00} when received. I placed the transfer on XXXX  XXXX XXXX, XXXX. Wire transfers are supposed to be same day if placed by XXXX PST or next day if not. I sent the money at XXXX EST. It is now XXXX XXXX, XXXX and I have yet to receive the money in my CoinbaseXXXX account. I would like to get this issue resolved as soon as possible and would further like the fees tacked onto the transaction waived because I have lost XXXX of dollars by not being able to invest my {$3500.00} into desired companies. The transaction number is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company I disputed debt and account was deleted six months ago. Company has  now went re-added this to my report. This account is not mines. I dont know who it belongs too. 

XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$3800.00} Is anything incorrect? Visit our Disputes Guide
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 Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : US DEPT ED # XXXX Account Name : 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 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: Checking or savings account

On XX/XX/XXXX a Bank of America imposter called and tricked me into believing it was the bank calling, and claimed someone was taking money out of my account. The person persuaded me to send money ( XXXX $ ) through XXXX to a safe account in my name. I found out later that the money actually went to the scammer. Bank of America denied my claim for a refund even though i was tricked into sending the money to a scammer. 
Since I didnt authorize the money going to a scammer and since I was tricked into releasing it, the transfer should be covered under Regulation E. The bank has refused to explain why it will not refund the money even though my money was taken by an imposter. The bank also did nothing to try to get my money back even though it was reported to the bank right away.
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute these account Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX  XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX Atlanta police department : Approved by XXXX XXXX Report number-XXXX Each account has been investigated by the Atlanta police department and declared as fraud
Product: Checking or savings account

ON XX/XX/2022 made a ATM withdrawal for XXXX dollars, ATM hit the account twice on same day, which was not right. Bank credited the account then took the monies back again saying that it was legit. It is not, I have asked for video proof and times to prove their point, they are not doing anything. Customer service is not replying
Product: Checking or savings account

On XX/XX/XXXX I used a non Regions ATM 3 times to withdraw money, but then I tried to take out an amount I believed to be in the account and it was declined several times and, despite the transactions not being approved, Regions Bank still charged me for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed that their was an incorrect reporting on my XXXX credit report. This negative reporting according to XXXX 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XXXX I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact XXXX  and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, XXXX only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted XXXX 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.
Product: Mortgage

On XXXX I was sent a letter from Lakeview Loan Servicing, they offered me a 30 year fixed loan at 3.25 %. I called and upfront the loan officer said that they did n't offer a loan like that for a loan of my amount, I stated to him that they came to me with this offer with the loan amount on the offer. After a couple of days of back and forth with him they decided to keep their word and do our VA XXXX at the previously stated 3.25 %. They also stated that there was no loan origination fee 's, credit check, no appraisal, no income verification, and once we signed our loan documents acceptin the offer we would close on the loan mid XXXX. Yesterday I was received a letter stating that my loan was denied due to credit unworthiness, now if there is no credit check how am I being denied for credit unworthiness. I was upfront with the loan officer and stated I was injured at work and was in the process of preparing for XXXX. He assured me that the loan was going to close in XXXX. Now I called him today XXXX XXXX to find out what the issue was he said hat the credit underwriter denied the loan due to a late payment on my current loan in XXXX, I stated that the VA XXXX guide states there is no credit underwriting for this loan so how is it that they are the ones denying my loan. That 's when the conversation switched from his company 's unfair practices to a personal attack on myself. He said that I am still have an issue questions my integrity, as a veteran that is a huge issue for someone to call my integrity into question for simply asking for answers as to why they are differing the procedure from what he himself stated and what the VA website states as to be the normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian isnt investigating anything, just responding with letters and false claims of investigations. Specifically I outlined that someone has established an alteranate but similar social security number as mine, I outlined that they are using a previous address to obtain credit and debt, and Experian falsely states they verified an account is mine. This statement is impossible in respect to public records are only verified by last four, so I in my dispute requested that Experian verified the full social security number which they cant so instead they respond with a false verification. Additionally they refuse to investigate a credit card from XXXX XXXX on my credit report that was opened with XXXX not my social security number and not my address.
Product: Debt collection

On XXXX/XXXX/XXXX I contacted XXXX XXXX and paid the final bill of {$1800.00}. Then over 1 year later starting in XXXX XXXX we started be contacted by ACEI to collect the final amount of {$470.00} ( +/- ). We have not only confirmed that our balance is paid in full with XXXX but I also have a final statement. I have explained this to ACEI and they do not accept that. Not only was I not made aware that this went to a collection agency but I also do n't agree with their added fees.
Product: Debt collection

please look at previous complaint XXXX and XXXX I feel like im playing wack a mole This is a debt that shouldn't have ever happen A XXXX XXXX   was taken out of the original loan that was canceled on the first business day after consultation Actually the loan was pushed thru before I left their office on the consultation day unknown to me I have a letterhead I assumed was sold to XXXX IN Which i thought i had settled the issue Then I got a collection notice from XXXX which was now the company trying to collect an illegal debt That was soon settled Now XXXX XXXX is trying to collect that same debt which is confusing more so on the original collection I have a letterhead that has XXXX XXXX   XXXX XXXX XXXX On the first collection The amount that was taken out should not have happen Loan was canceled on First business day after consultation Also It shouldn't be on my credit report because IT Was For a Medical procedure This is running my credit I have been very careful with my credit and havent paid a late bill in over! 0 years please help me clear up this issue
Product: Mortgage

My previous loan servicer, XXXX, had a connection to XXXX so I could manage the mortgage with my personal finance software. It was purchased by rushmore LM and they refuse to " connect a mortgage with a third party '' I had no say in the transference of my loan. It's unacceptable to me that the same level of transparency can not be maintained when I didn't initiate or want this transfer.
Product: Credit card

I was recently viewing my credit report through experion credit report- and after looking at my credit report I did notice there were late payments on one of the cards. I thought that was odd because I do not have any debt on my credit all my debt is paid off. Doing some more investigation from XXXX I did find out I did have a negative balance of {$2500.00} of which I was not responsible for which is a result of identity theft. The Citi card was opened on XX/XX/XXXX and the card was closed due to charge offs. So someone did use my social security number, possibly my name with a different address to shop for the following items. 
After doing some investigative work online I did find out that the card is associated with Home Depot or it 's a CITI card that they issue to home depot. I initially called the CITI cards and they told me they do n't have me on file that I needed to contact Hope Depot in order to dispute the charges. After calling the Home Depot they gave me a CITI card number again and they told me to call the following XXXX numbers XXXX of the numbers is associated with their Home Depot CITI cards. XXXX. The other number is XXXX XXXX. 
I have n't had a chance to call the last XXXX numbers. I did contact some other government agencies and I did file a report. On the other hand I did contact the credit bureu and they did file an identity theft report and they are doing some investigative work and they 'll let me know what he result is in the next 30 days. So as a result I 'd like the following credit card issuers to clear my debt because its ruining my credit or I 'll be taking legal charges against CITI/Home Depot card for ruining my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for XXXX account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with XXXX and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to Chexsystems under a different address in XXXX and I live at XXXX XXXX  XXXX XXXX since XXXX of XXXX and was in XXXX  for three years in the years of XXXX and XXXX and I would like this case to reopen
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All XXXX credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to obtain a copy of my free annual Trans Union credit reports. I did receive XXXX   and XXXX. I really need my Trans Union report.
Product: Debt collection

XXXX 2021 I CONTACTED CONVERGENT OUTSOURCING ABOUT A DEBT THAT WAS ON MY CREDIT REPORT THAT IS NOT MY DEBT, { THIS IS NOT THE FIRST TIME I REACHED OUT TO THEM CONCERNING THIS SAME DEBT } ' I WAS TOLD THAT THEY { CONVERGENT OUTSOURCING } WAS GON NA SEND ME A FORM TO FILL OUT, IT HAS BEEN A MONTH AND I HAVE NOT RECIEVED ANY MAIL FROM THEM ... .THIS WAS THE SECOND ATTEMT TO GET THIS FIX.. 
I HAVE A MORTGAGE PENDING AND IM STILL WAITING ON THE AFFIDAVIT..
Product: Student loan

Trying to switch to SAVE Plan. No one at Nelnet is answering the phone and no one is answering email. Application is still processing and it has been longer than time it would take to switch.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts mentioned below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} In addition, the following inquiries have appeared on my credit report, which I believe were caused by the data breach : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding multiple attempts to dispute inaccuracies being furnished on my credit report by XXXX XXXX. I asked that Experian verify the accuracy of the disputed account because all they keep doing is saying that " the account was verified without providing actual proof of said documentation to prove otherwise. '' I asked that they, Experian, provide me with a copy of the verifiable proof that they have on file within 30 days and if they don't then they have to delete it per the FCRA 15 U.S.C. 1681i.

They never sent me anything and stated that the account was verified and accurate under the dispute on my report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

XXXX XXXX XXXX placed two derogative items on my credit report. One for {$770.00} and another for {$1000.00}. i do not owe {$1000.00}.