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

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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
Product: Money transfer, virtual currency, or money service

Wells Fargo Original XXXX XXXX about a fraud scam check deposited was reviewed and rectified on a XXXX yeqr old. The checkss were returned to the scammer l. This scam also allowed the theif to extract money from both checking and savings account via XXXX. Those funds were never there and the slammer sent them. This caused a negative balance in both checking and saving account. This case # is Wells Fargo case XXXX. Today XX/XX/23 they denied the fraud claim. Allowing the hacker to have the money from the scam check that was deposited. We appealed the denial and have not heard from their Executive dept..
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased airfare through XXXX for XXXX XXXX using my Comenity credit card - 2 roundtrip flights and I was charged twice each {$830.00} and {$490.00}. On XX/XX/XXXX I had logged onto the XXXX website and noticed that they had cancelled those flights, but had not contacted me ( they never did actually ). On that day I went on live chat with an XXXX rep who confirmed that I was to receive a refund to the credit card I used and sent an email confirmation. After 5 weeks ( around XXXX ) I sent a dispute to my credit card company because I felt that 5+ weeks was sufficient to issue my refund ( I included a copy of the email confirmation ). The credit card company did nothing for several weeks. So after 8 weeks of waiting ( the longest XXXX claimed it could take ) in XXXX I sent another dispute to Comenity including the email again. In XXXX I noticed that they finally issued a provisional credit for all 4 charges. They do not put in the actual dates in their system so I'm not sure when, but by XXXX. When I logged in XX/XX/XXXX I noticed that I had been re-charged all 4 charges again. They never requested additional documentation, but I had already provided evidence that XXXX acknowledges they are to refund me. I then called and was asked if I could once again send a copy of the email confirming I am to be refunded, which I did that day. I also included a follow-up chat where XXXX claimed they tried to issue the refunds on XX/XX/XXXX but encountered some unknown problem ( this was in XXXX ). In the meantime I do not even have the provisional credit on my card and it seems that Comenity is doing nothing to protect me. As of today, XX/XX/XXXX, I'm still getting the same line of we're " working on it '' from XXXX. Comenity isn't protecting me against fraud at all at this point. I've proven repeatedly that I'm due the refund according to the DOT federal regulations. Comenity can't even explain to me why they would charge me again. And now I have a payment due, but I should actually have a credit on my account with these refunds.
Product: Debt collection

I didn't pay {$130.00} for my final 2 months of XXXX XXXX XXXX XXXX service. XXXX & XXXX, for some reason, sent 2 collections agencies ( XXXX XXXX ; ( XXXX ) XXXX ) and ( Prince Parker ( XXXX ) XXXX ) ) after me for the money. 

Once I paid on XX/XX/XXXX, XXXX XXXX XXXX withdrew the debt from XXXX, but never contacted Prince Parker. Prince Parker says they're going to hound me for 6 MONTHS and keep it on my credit report for that long because XXXX XXXX XXXX never contacted them, and won't respond when I give them a receipt. 

Please tell Prince Parker that I've already paid the debt.
Product: Money transfer, virtual currency, or money service

I have account with eTORO and i had a position for XXXX for XXXX units. They sold all my position and emailed said they transfer the money to my account in available fund but my available fund says " XXXX ". 

Total amount I invested was {$2000.00} but the market value today was {$6100.00} and they kept all money. 
I also warn them of unsual activities like asking to many things which they received it before when account was open. 

eTORO USA LLC XXXX XXXX XXXX, XXXX Floor XXXX, NJ XXXX Phone Number XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ; XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and incomplete reporting on my credit file with Experian. There are issues related to medical and credit accounts, including missing data, inconsistent reporting, and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Specific Items in Dispute : XXXX. XXXX  XXXX Account Reported with missing, inconsistent, and incomplete data fields. 
Missing telephone number, activity date, and past due amount. 
Inconsistent reporting of account terms, payment status, and creditor remarks across different bureaus. 
XXXX XXXX XXXX XXXX  Account Reported with missing or inconsistent data. 
Missing data on last payment date, account status, and creditor remarks. 

Issues Identified : Inconsistent Reporting : Data reported inconsistently across multiple credit bureaus, violating the 5th point of XXXX XXXX compliance. 
Unverified Data : Failure to provide evidence substantiating the accuracy of reported information, such as itemized statements for medical collections.

Missing Data : Key data points such as the telephone number, activity date, and past due amount are missing, which impacts the credibility of the reported data.

Requested Resolution : 1. Immediate removal or correction of the disputed items related to XXXX XXXX and XXXX XXXX XXXX  accounts. 
XXXX. Provide documentation verifying the accuracy and compliance of the reported data, including evidence of the itemized statement for any disputed medical collections.

3. Provide a full description of the investigation process and the procedure used to forward information to the creditor, as required by FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have negatively affected my credit score, leading to credit denials and higher interest rates.

I request a response within 15 days. If the disputed items are not corrected or the requested information is not provided, I will pursue further legal action.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXXXXXX XXXX - Account XXXX. : XXXX XXXX XXXX XXXX - Account XXXX. : XXXX XXXX XXXXXXXX XXXX  - Account XXXX. : XXXX XXXX XXXX  - Account XXXX. : XXXX
Product: Checking or savings account

Hello, I am a XXXX years old and retired, someone has been debiting my account for the last 16 or so months, I get automatic SSA direct deposit and have just found out " ALLY ALLY PAYMT XXXX XXXX XXXX XXXX '' has been debiting {$590.00} for the last 14 months. 


I have filed a police report with the XXXX XXXX County Sherrifs office # XXXX and have also filed a Federal Trade Commission theft report # XXXX. 
I am in contact with the Attorney Generals Office - XXXX XXXX to help in this matter. 

Also I have hired my son, XXXX XXXX XXXX on a retainer to oversee this in the event we have to file a lawsuit against Ally Financial for theft, also he will be sending Ally Financial a cease and desist letter on the charging of the account.
Product: Debt collection

I verbalized the dispute over the phone on the XXXX of XX/XX/XXXX and sent notice of the dispute to Genesis, XXXX, as well as the district on XXXX, XX/XX/XXXX. 

Regardless of the dispute, Genesis ( 2 months later without acknowledging the dispute ), still reported negative information on my credit report in an attempt to still try to collect. Genesis also failed to tell/notify any of the credit reporting companies who they reported my debt to, that I disputed the debt. 

I requested proof/receipt as well as an itemized list of discrepancies. 

My son moved out of the apartment ( District on 5th ) in XXXX of XXXX with a XXXX balance. A moveout inspection was submitted the XXXX of XXXX no acknowledgement, but noted on the final statement. On XX/XX/XXXX ( a year later and after residents had already leased and moved out of the residence ) we received an inaccurate/false statement of damages sent by the apartment complex. False statement, because there were no receipts and the statement had pictures of my son and his roommates pointing to damages when they moved in. 

I contacted the apartment that day to point out the issues because it was mentioned that it may have been a mistake and the bill/statement was meant for the tenants who moved in afterwards ( which still made no sense ), as this was over the 60 day time frame Arizona law requires. 

The damages from the pictures attached to the statement, were left from the previous tenant and the complex was never professionally cleaned. We have receipts from the XXXX exchange of all the cleaning supplies we had to purchase. 

There were multiple rooms, but not my son 's room. Also, every roommate recieved the same charges to the same room, despite renting different rooms. 

I requested ( 3 different times ) an itemized receipt for the damages noted.

1. the conditions were pre-existing to our tenancy.

2. The claims are untrue or invalid, for a variety of applicable reasons.

3. The charges, although based on actual damages, are excessive, 4. The claims are unclear because they are vague, not itemized.

5. The damages reflect normal wear and tear.

To make matters worse, Genesis sent a misrepresented and false statement/validation note last week ( outside of the 5 days after first contact ). The statement received in the mail last week, excludes the " comments '' which depicts pictures of my son pointing to discrepancies when he moved into the apartment, showing direct proof that Genesis knowingly and maliciously altered the statement to make it seem as if these fabricated charges were true. As a debt collector Genesis knowingly used false, deceptive, and misleading representation or means to collect or attempt to collect a debt by falsifying the statement.
Product: Consumer Loan

In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. 
After XXXX XXXX, I did not receive any further emails. 
In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. 

I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). 

They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. 

This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. 

Your assistance with this predatory process is greatly appreciated.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : USAA FERDERAL SAVINGS BANK XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.
Product: Credit card or prepaid card

I have an American Express personal green card ( XXXX ), which is in good standing with AE, however, I am also the CFO of company XXXX XXXX XXXX out of NJ, I applied on behalf of the Company XXXX XXXX XXXX XXXX-I provided AE with the company 's TIN and instead they place my personal SSN in under the Account, thus making me personally responsible for the Company 's debt, thus freezing my own personal account with AE! I informed them of the error and included the fact that I never agreed or guaranteed liability of any debt incurred by XXXX XXXX XXXX and its ( if any ) affiliates, I am just the executor of the financial dealings of the company ( we even made arrangements to pay off the balance and get the card back on track as we hit by this years forces of nature ) - My personal Account should not be affective by the Company which i am just a representative of ( XXXX ).
Thank you in advance for your assistance in this matter XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Declared chapter XXXX bankruptcy. Still receive collection calls from this number. I asked for proof of debt. They have refused to provide.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.
Product: Credit reporting or other personal consumer reports

Company, Experian has updated the consumer report to reflect updated credit score. As of XXXX XXXX changes were made without no changes. I ask Experian update the correct score to reflect the consumer report.
Product: Mortgage

We attempted for 2 years to obtain a modifications through Nationstar. Our person of contact was constantly changing, our paperwork was not not being processed quickly, and we were having to resend documents and restart the process every 30-45 days. after becoming frustrated and hopeless, we decided to seek a short sale. In XX/XX/XXXX, we contacted Nationstar to begin the short sale process. We gave them our realtor information, and were told the process was started, and they would contact our realtor. Our realtor requested the required documentation several times and never received it. Nationstar never contacted our realtor or us about the short sale. In XX/XX/XXXX, our realtor decided not to do our short sale because of the lack of communication from XXXX. We contacted Nationstar in XX/XX/XXXX about doing a deed-in-lieu. We were told that was a good possibility, and after asking a series of questions, we were old the process was started, and we would receive the paperwork to complete. We never heard back from Nationstar, and our home was foreclosed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
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 Balance : {$23000.00} XXXX  XX/XX/year>
Product: Money transfer, virtual currency, or money service

I went to the bank and had a wire transfer for {$6000.00} on XXXX/XXXX/XXXX at XXXX as processed. Coinbase INC promised if funds were transferred before XXXX funds would be available within 1 business day. We are now on the XXXX of XXXX. My bank accounts reflects receipt of {$6000.00} and yet have not posted. I have tried everything under the sun in contacting Coinbase and yet no response. 
My contact # XXXX
Product: Mortgage

My mortgage servicer is New Rez. They are stating that they never received my payments for XXXX and XX/XX/2021. I contacted my bank ( they were sent through my bank 's bill pay ). They provided confirmation of payments. I have verbally told New Rez this, sent them these statements via snail mail ( with confirmation of delivery from XXXX ), faxed, and emailed them the proof of payments. However, it is now XXXX, and they are not recognizing the payments. Can you please help me? Thank you!
Product: Money transfer, virtual currency, or money service

Report on Unauthorized {$710.00} Transaction on Cash App On XX/XX/year>, an unauthorized transaction of {$710.00} was made from my Cash App account and transferred to another account without my consent. Upon noticing the unauthorized transfer, I immediately took the following actions : 1. XX/XX/year>XXXX  : As soon as I became aware of the transaction, I contacted Cash App support via their app to report the unauthorized activity and requested the reversal of the transaction. I also provided all the relevant details, including the date and the amount involved. 
2. XX/XX/year> : I followed up with Cash App support to ensure that my report was being investigated and to inquire about the status of the refund. I also contacted my bank to inform them of the unauthorized transaction and to place a hold on further transactions from my Cash App account. 
3. XX/XX/year> : Cash App support responded, acknowledging the report of unauthorized activity and stating that an investigation was underway. They indicated that it might take some time to resolve the issue and to review the transaction. 

Despite these efforts, the {$710.00} has not been refunded to my account as of the date of this report. I am requesting that Cash App expedite the investigation and refund the stolen funds promptly. 

Thank you for your attention to this matter. Please feel free to reach out if additional information is needed to assist in resolving this issue. When I call they say the issue has been resolved.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately 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