23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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, US BK XXXX COURT violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX XXXX, Transunion 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 reported to Transunion that i applied for credit I never. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Mortgage

In XX/XX/2020, I received a letter from NewRez ( LLC ISAOA/ATIMA XXXX XXXX  XXXX XXXX MI XXXX ) stating they were my new mortgage bank. They brought or took over my previous mortgage company XXXX. In their initial letter my mortgage was current with no late payments. In XXXX statement NewRez alleged that I owed late fees and they purchased " force insurance '' on my Co-Op apartment. The letter dated XX/XX/2020 states " our records show that your hazard insurance expired ... we plan to buy insurance for your property. '' I had previously filed complaints against XXXX XXXX and XXXX and now this company which I believe is actually the same company by the name of Shellpoint Mortgage Servicing located in XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Similarly to XXXX XXXX  and XXXX, they failed to understand that my Co-Op building has a Master Insurance policy which covers the hazard component of the policy they requesting. This issue was litigated by my lawyer to XXXX XXXX and XXXX  and now Shellpoint or NewRez. On XX/XX/202 at approximately XXXX XXXX  EST I telephoned NewRez at XXXX XXXX XXXX to notify them of this issue. I spoke to a female agent name " XXXX '' and explained my situation. She hung up the phone. Same practice used by XXXX XXXX and XXXX  where they simply hung up or ignored my calls. I also submitted a home owners insurance policy @ XXXX on XX/XX/2020 with no reply. I seen this movie before : they will deny he received it and buy their oown hazard insurance at a higher price. My credit rating will be harmed by their actions and they will be sued. Congress enacted the FDCPA to prohibit the [ u ] se of abusive, deceptive, and unfair debt collection practices. 15 U.S.C 1692 ( a ). My load # is XXXX.
Product: Checking or savings account

A large monetary CD matured on XXXX. I requested to close account on maturity date. Received confirmation. Waited several days for transfer of funds to my bank acct. Received an urgent note from Marcus to call. Did so. They said bank was not verified. I gave them another bank acct. at different bank. Next day, XXXX way call in which my bank was verified. That was on XXXX. Was told by Marcus rep that the transfer of funds thru XXXX would be XXXX to XXXX business days. I have called EVERY DAY since and spoke with several supervisors who claimed over and over the account was in closed status. Today is XXXX and XXXX more calls today claimed again the funds were in closed status and ONCE AGAIN wait XXXX to XXXX business days. My online account wont give me any status AND after daily emails the supervisors claim they CAN NOT send any updates!!! How can Marcus Goldman Sachs get such high ratings?!!! Please help. This is our life savings and were XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit card or prepaid card

Approximately, earlier this year we opened a new credit card for our purchases. We closed the Costco Anywhere Visa Card from Citi and waited for charges to clear. All payments were made on time. I noticed a recurring charge from XXXX. We were already paying XXXX  from a separate account. I called XXXX and we went over every account in the house, tv by tv, to discover which tv was being charged. None in the house were being charged including handheld personal devices, phones, laptops, and XXXX. 
This prompted me to file a dispute to charges on my credit card with Citi ending in XXXX and later reissued to end in XXXX. 
A short time later, the dispute was refunded to our account and I asked for a refund since the account was closed. That refund was sent to us. I deposited it in our account and considered the matter and account closed. 
In XXXX, I get an email from Citi stating that we have a balance, and my statement is available by the email link. At the time, I ignored the email, thinking that the company made a mistake and they will correct it over time. 
On XX/XX/XXXX I get another email that says I have a balance of {$490.00}. I notice that the balance is increasing. It also states a minimum payment of {$75.00}. 
I contacted Citi customer service on XX/XX/XXXX at approximately XXXX XXXX  XXXX. 
I was told that a portion of their company that handles disputes changed their decision and that I was notified in XXXX by paper statement and electronic statement. I have NOT EVER received a paper statement. I stated to the representative that I can not access this information I no longer have the credit card number ( which would allow me to recover my online id and eventually password ). The representative then stated that she could change me over to paper statements delivered to my home. That seemed like an odd thing to say if I was getting paper statements as stated by the representative previously. 
Regardless, a paper statement is being sent which will arrive in 7 to 14 business days according to the representative. 
I also asked that all late charges on this account be suspended until this issue is resolved. 
Not sure where to go with this next. I feel like I did all the steps I was supposed to do. Citi made their decision and refunded the amount. We closed the account and moved on. Then CITI changed their mind and recharged us again. They also failed to provided notice except by email of a statement we couldn't access. They also did not mail to us a copy of their decision to change their mind on the issue. No even sure how that is allowed. 
Can provide more detail when the statement arrives. Will also be asking for an explanation in writing of the change in decision on our disputed charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$7200.00} XXXXXXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$9200.00}
Product: Credit reporting or other personal consumer reports

GA Code 11-9-210 ( 2023 ) ( UCC Article 9 9-210 ) As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I have already demanded proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 

XXXX XXXX  HAS IGNORED all opportunities to AUTHENTICATE THE DEBT CLAIM ... .no AUTHENTICATION has been provided here in our correspondences, the CFPB can see no such evidence has been provided by XXXX XXXX Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

A bank or credit agency can be liable for identity theft if it negligently releases personal information that helps enable identity theft. The use of my non public information due to false reporting sharing with non affiliated 3rd parties. 

Failure to respond within 4 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

This Notice is an attempt to correct your records, to authenticate your records and accounting and any information received from you will be collected as evidence should any further action be necessary. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Checking or savings account

On or about XX/XX/year> my checking acct had funds withdrawn by someone other than myself... total of 7 transactions, 5 of which were for the same amount {$92.00}, 2 for {$87.00} and one for {$91.00} equals {$730.00}... I called BOA on XX/XX/year> to report, ran to the nearest branch to shut down accts. Claim # XXXX generated ( Ref # XXXX ) XXXX.They put my funds as " PENDING '' but since then they reviewed and declined my dispute. Since that time I have researched and was astonished to find out my case is not unique ... Seems BOA and XXXX are involved in many Fraudulent cases ( {$870.00} MIL ), and yes it seems the root of my problem was an XXXX XXXX acct, which I had to shut down Twice in 2 days..Seems they add a second phone number and then have access to all your banking, etc. 
XXXX XXXX XXXX  days later I received a new XXXX card in the mail ... Pls advise ....
Product: Credit card

We bought a fully-assembled, brand-new XXXX XXXX XXXX  from Lowes store # XXXX XXXX XXXX Texas on XX/XX/23 using our Lowes XXXX credit card with account number XXXX under my XXXX  name XXXX XXXX XXXX. 

Almost immediately, within a day, the XXXX XXXX had pieces fall off including the wheels from the stripping of the bolts during assembly. We asked to return it since it was a damaged product and Lowes store people refused to take it back. We contacted the Lowes credit card that is run by Synchrony Bank who stated the local Lowes store had to remove the credit card charge. They could help me.

Lowes refused to take it back and instead wanted XXXX ( the manufacturer ) to repair it, with us paying the delivery charge. After doing so and sending it to a recommended shop by XXXX, the XXXX XXXX  remains unfixed with XXXX and Lowes fighting over whose fault. Its been 2 months of waiting.

We are frustrated with false advertising about the return policy, the poor assembly and the lack of help by the Lowes store personnel. We are angry at the credit card company for refusing to investigate and depending on the local manager to remove the charge. 


We want our money back for the damaged product that was poorly assembled by the store. We run XXXX XXXX  and had to buy a product to move our products. Moreover, we didnt buy a refurbished product which is what we will end up with instead of a new product. We ask for your assistance.
Product: Credit reporting or other personal consumer reports

My credit appears to have been compromised, as I noticed several items on my report that were opened without my permission. Under section 605B of the FCRA, you are legally required to remove items resulting from false credit reporting. The disputed items are unknown to me, and I have attached the necessary FTC Report for your reference. Please remove these items immediately. If there is any chance these items belong to me, I need all documentation bearing my signature. According to my research, you must verify that each item is 100 % true, accurate, correct, complete, and verifiable. If you can not provide these records and still claim the items are verified, I will pursue legal action. I take this matter seriously, and so does my attorney. Comply with the law to resolve this matter swiftly. Remove the disputed items that were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed  : {$140.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report XXXX XXXX XXXX on my credit report. This account is fraudulent and is continuously reporting the inaccurate information regarding the amounts that is owed. I monitor my credit report and they have listed the debt being owed as {$13000.00} then to {$16000.00}, then it changed as of XX/XX/2016 as the amount owed as {$25000.00}. The fraudulent charged off account keeps adding on fraudulent charges to an account that is closed! This account is not being verified correctly because the account information is fraudulent, the amounts are fraudulent! This is illegally!
Product: Money transfer, virtual currency, or money service

Will not allow me to link my account to XXXX
Product: Mortgage

XXXX XX/XX/XXXX of XXXX, I called my mortgage holder ( Bank of Oklahoma ) . I was informed I owed approx {$3000.00} towards the loan to make it current ( approx 3 months of payments at {$880.00} + late fees ). I informed them I had already sent {$1800.00} ( 2 months of payments at {$880.00} + late fees ). This check was received and cashed by BOK within 2 days of this call ( on/around XX/XX/XXXX ). My bank confirmed the check cleared and was cashed by BOK. That would mean as of XX/XX/XXXX, I would still owe 1 month of a {$880.00} payment plus late fees. On/around XX/XX/2023, BOK mortgage sent my information to foreclosure/lawyers and stated I owed approx {$5200.00}, that there was Not a payment made on the loan since XX/XX/2023 and the loan was going into foreclosure. I called BOK to dispute the amount due and the timing of the last payment. After providing documentation, and waiting approx 2 weeks as BOK investigated ; I received an email that stated BOK had misapplied my funds to a different account and they were at fault. However, they then stated in that email that the loan " would've gone into foreclosure anyway '' even if they had applied the funds correctly. Their 90 day policy on foreclosure would have been timed so that XXXX was the 3rd month. However, their records indicated I was 6 months behind when foreclosure started because of their accounting error. Since i was concerned this accounting error had occured previously without my knowledge, I requested the last 3 years of payment history to correlate with my bank records. I also requested to speak to someone at a Supervisor level several times due to the nature of the issue and representatives not being fully aware or know how to handle the situation. They would not have a supervisor speak to me or even send an email. When i spoke to the last representative, the supervidor notes were incorrect. It showed BOK returned the {$1800.00} payment " because it was not the full loan reinstatement amount given by the lawyers '' However, at the time of payment in XXXX, there was NO reinstatement amount because tge loan didn't get sent to the lawyers for that reinstatement amount until XXXX. I informed them I could catch the loan up to the current date, but felt I should not have to pay the lawyers fees for reinstatement of the loan. I was told on Friday XX/XX/XXXX that the property had Not been scheduled for sale yet ( due to the issues discussed ) but I received a notice of sale on Mon XX/XX/XXXX that was dated for Mon XX/XX/XXXX. They also attempted to schedule a home inspection for sale without notification even though I have an active complaint open.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXXXXXX XXXX XXXX
Product: Checking or savings account

I am reporting a case of fraud on my bank account. My card was lost or stolen, and unauthorized transactions totaling {$900.00} were made, putting my account into the negative. I did not make these purchases. Upon discovering the fraud, I immediately requested my bank to close the account, believing I would not be held liable for the fraudulent charges. Despite this, the charges have not been resolved.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I have noticed the following inaccuracies on my credit report : 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  I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a zero balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit card or prepaid card

I applied for a BJ 's Perks Mastercard which is issued and administered by XXXX XXXX XXXX. They denied me stating they could not verify my identity. When I contacted them what was meant by this statement I was transferred four times and then finally told they had no explanation for the statement they could not verify my identity.
Product: Money transfer, virtual currency, or money service

My PayPal account was hacked. I contacted PayPal immediately. Their online dispute tool said no fraud occurred. I had to call them to dispute. I filed a fraud dispute over the phone. They said I should hear something in 21 days. It has been over 21 days and I have not been updated by PayPal nor have they recovered my money even though I called them within minutes.