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

I contacted EQUIFAX and XXXX months ago about being a victim of identity theft. I found out months ago about collection accounts in my named. I did not authorize or approve anyone to open any accounts in my name. I was advised by a customer service representative from both bureaus to get a police report for removal. I provided my approved police report with supporting documents and my ID immediately to both credit bureaus. Equifax added more collections to my credit file, dropped my scores and refused to delete or block all fraudulent accounts. XXXX is refusing to block all fraudulent accounts or delete. I provided everything both companies ask for and both are still giving me a hard time after both companies assured me all fraudulent accounts will be deleted once I get an approval from the local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was unable to provide proof of documentation between myself and their company. I do not know them nor do I owe them any money. My rights have been violated under FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I received an email from " TransUnion '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' was " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).
Product: Mortgage

I am having serious issues with property escrow information. Serious issues of late payments for XXXX and XX/XX/2020 being reported on my bureaus credit history. I get no response to my emails or certified mails I send to them.
Product: Mortgage

I was given a grace period for my XXXX mortgage payment. I was given a grace period to XX/XX/XXXX. I was going to pay in full prior to that day. I went in on the XXXX and my grace period was gone and a past due notice was applied worry a late fee. I paid in full at that time. I called Tuesday the XXXX and was told by the rep sometimes the app glitches and should only use the website. I've asked about my late fee and was told nothing could be done. I asked to speak with someone who could help me cole a formal complaint and the rep put me on hold for XXXX mins and hung up the call.
Product: Money transfer, virtual currency, or money service

XXXX XXXX large amounts of money was taken from my cashapp unauthorized
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance in resolving several issues I have encountered with my credit report. These include the listing of incorrect accounts, fraudulent accounts, unauthorized inquiries, and accounts that do not belong to me. 

The specific issues are as follows : Inaccurate account listings : There are accounts listed on my credit report that do not belong to me. I request that these accounts be investigated and removed. 

Fraudulent accounts : Some accounts on my report appear to be fraudulent. I request these be flagged and removed from my credit history. 

Unauthorized inquiries : I have noticed credit inquiries made without my consent or authorization. These inquiries should be deleted. 

Billing errors : There are discrepancies in the reporting of certain accounts. These should be reviewed and corrected.
Product: Debt collection

I experienced a medical emergency from a XXXX incident relating to XXXX XXXX in my XXXX  whereby I visited local emergency room. All necessary insurance information was provide to the hospital emergency room staff during the initial admission to the emergency room. Of all of the entities that provided service to me during that visit, only one source of service providers claimed the hospital gave them no information to bill for their services rendered. All other resources were adequately and accurately billed and subsequently paid according to our insurance provider. After I initially received billing from the source in question in this case, XXXX XXXX XXXX XXXX, informed me that billing errors were routine. Billing errors are not routine as there is a standard of protocol that all medical service providers follow. XXXX XXXX had at one time also stated that the initial billing to the insurer had gone to the wrong insurance company, that it had been submitted under the wrong patient name. As routine, hospitals and subsequent medical service groups XXXX the patient ID and insurance card during registration. There should have been no reason this organization would have gotten misinformation all other sources of service that day received correctly from the emergency room who provided services to me during that visit. I have made several phone calls to gather information to provide assistance resolving this matter. It is unclear how all other entities who provided service to me that day had no issue resolving their billing and yet this organization in question were somehow completely left out of the medical billing relating information. I file this complaint because the amount of {$920.00} billed to me was not properly billed by the company and that apparently XXXX XXXX XXXX XXXX failed to verify proper data as required for services rendered.
Product: Debt collection

I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. 
Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not authorize any company/ persons to report anything in my name. I do not give the consent for any of my information to be shared. I do not want any of my rental history, credit history, debt history, felony record and etc to be shared. No company/ persons have my consent. I want to opt out.
Product: Credit reporting or other personal consumer reports

Equifax has yet to remove on my credit XXXX Equifax has yet to mail out a copy of my credit report. 

Keeps giving me the run around
Product: Checking or savings account

There is a Bank of America account that was opened today and it was not me.
Product: Money transfer, virtual currency, or money service

A scan situation happened around XX/XX/XXXX i have been in contact with my bank about it, opened two disputes which are both now resolved. First dispute ( which included the CashApp transaction ) was claimed as resolved and they were able to give me the CashApp money back. However, around XXXX weeks ago, CashApp withdrew {$400.00} from my bank account and now im overdrawn {$400.00} but my bank had given me the money I had lost & claimed the dispute as resolved. Cashapp states they arent able to do anything and its final decision. Im extremely confused because I should NOT be getting {$400.00} withdrawn from my account, CashApp is being extremely unhelpful and unfair right now- i have a police report about this investigation and disputes were opened, its odd that my account is withdrawn a month after the situation. Ive had XXXX knowledge that they were going to put my account in the overdrawn which is again unfair because i thought my situation was resolved XXXX weeks ago.
Product: Debt collection

Last summer I was contacted by a man who said he was Attorney XXXX XXXX working to collect a debt I owed for bed purchased I made at XXXX XXXX. He said he represented Eastpoint Group and was in XXXX, NY. He was very polite, as was I, and I explained that my loan agreement gave me 5 years to pay off the debt and if I did not within XXXX, would begin to accrue interest. He told me a lot of people make those mistakes and I was supposed to make payments during the 5 years anyway. I began allowing him to take {$100.00} from my account every payday ( and they collected {$500.00} ). I asked XXXX XXXX to send me some forms in the mail so I coulod verify the account and show the total debt and the payoff. I did not receive any paperwork, and due to a medical injury, lost my secondary employment. I called XXXX XXXX ( XXXX ) and explained my situation and again asked him to mail paperwork to me. My intention was to pay off the debt as soon asd i received my IRS refund, and he was agreeable to that. Then another person from Eastpoint began calling my mother 's house downstate ( I never gave her number and she is almost XXXX years old ). That person said his name was XXXX XXXX with Eastpoint Group ( XXXX ) ; he has called and left messages several times stating that he would have to take more serious action if he could not get in touch with me ( which scared my mother ). She does n't answer and lets home phone calls go to voicemail. Last evening, my husband got a call on his cellphone from XXXX and a female asked him for me. I answered on his cell phone and the female immediately began harassing me about a debt. When I found out she was with Eastpoint, I told her I was already working with Attorney XXXX XXXX with her company and he was aware of my situation and I was waiting on my IRS return to pay in full. I then told her I was still waiting on paperwork and had received nothing by USPS yet. I told her I would not speak with anyone else until I received something verifying who they were and what I owed, who was the original debtor and what was left to pay off. She refused to agree to sending me any validation paperwork and became extremely rude and actually screamed at me in a shrill voice, " I do n't think you are going to pay this off! '' At that point I just hung up. I then called XXXX XXXX and asked him to return my call today due to another person calling with harassing and disturbing behavior. He has not called back. 

I did online research and have read about fraudulent collectors, and also found out that XXXX XXXX is not an attorney as he told me he was. This evening, I called back the number the woman called from last night and it went to voicemail where the message identified the woman as XXXX XXXX or XXXX - I could not clearly hear the last name. 

I am very concerned that this company already has {$500.00} from me, they have never sent a validation notice or any actual paperwork at all, and I see numerous complaints about the company. I want to pay off my debt but do n't know whether this is a true collection or fraud, due to the lies told and the tactics used by several of their employees.
Product: Checking or savings account

XX/XX/2020, Chase closed all of my accounts including checking, credit cards, and investment accounts with no prior warnings. I contacted them multiple times and they would not give me any reasonings regarding the closings. I have been in branch multiple times and called multiple times. Every time they refuse to disclose a reason. I have banked with Chase for about a decade, with excellent history.
Product: Payday loan, title loan, personal loan, or advance loan

I originally took this loan out because I fell on hard times and was not able to make anything else work. Since then I have received XXXX XXXX XXXX XXXX and learned about my legal rights and protections regarding loans after XXXX. Since being activated on XXXX XXXX XXXX I have tried multiple times to get into contact with Opploans by emailing them at their provided contact email address XXXX and attaching my XXXX to each email and have not received any response from the company. I have received an automated email response acknowledging they received my XXXX, but that is all I have been able to get from them. I can not log onto their website as I am outside of the US for my XXXX and their site only works within the US. I just want this company to respond to me and comply and comply with SCRA so I can just get this loan paid off and be done with it. I have spoken to JAG and they are also working with me on this case and recommended that I file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX   XXXX back to the finance company. Since that time I get repeated calls from a company called XXXX XXXX to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate customer seevice and unfair practices wich violate the consumer financial protection act. Cash app failed to take effective measures to prevent fraud on their platform ; Leaving my account vulnerable XXXXns unprotected. Their dispute resolution process was unfair and deceptive ; They did not comply with error resolution requirements under the ( EFTA ) ELECTRONIC FUNDS TRANSFER ACT AND REGULATION E. These actions have caused a big inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the XXXX or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX I didnt ask or allow XXXXXXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

New Complaint.

I had a credit card with Discover Financial Service with Cash back rewards for purchase! Discover NEVER gave me any of the promotional and contractual cash back rewards!
Product: Debt collection

opened XXXX original creditor XXXX XXXX XXXX XXXX and Telerecovery owns the debt now I will use laws to remove this debt from my credit report : Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S Code 1681 C-1 Section 605 B 15 U.S Code 1681 C-2
Product: Credit card

I have had this credit card since XX/XX/XXXX. I never had a dispute until recently so I never knew the credit card practices. 

XX/XX/XXXX I rented a car XXXX. The quote I received was for {$710.00} ( attached ). I expected to pay that amount when we turned in the car in XXXX. 

However, the car rental company started to charge my credit card at odd intervals, so it was difficult to determine what was happening. 

Here are the charges XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX disputed these charges but Chase Bank did not advocate for me. I am the customer and Chase Bank should require their merchants to honor their quotes. Is n't that what credit card companies are supposed to do? I do not know what to do next. Please advise me. Thank you.
Product: Debt collection

Have received a collections letter from ERC collections with the creditor and original creditor listed as XXXX XXXX XXXX. I do not owe XXXX XXXX cable anything nor can their own support staff validate that this debt is legitimate or send any proof/documentation of its validity. This issue has already been reported to the credit bureau and my credit score has been negatively affected. This has caused me significant hardship in getting loans and now recently acquiring new car insurance.
Product: Checking or savings account

I have filed a dispute with Chime XXXX XXXX XXXX  ) and they have denied me temporary credit also stating that they found no error in their investigation. I filed the dispute around XXXX and got notified the investigation was closed due to no error found during their investigation. I firmly believe they did not thorougly investigate the fraudulent activity and transaction on my account within the few hours they had to investigate. I have also submitted a police report as well as other supporting documentations to support my claim. Chime has failed me as a consumer to investigate and protect and insure my funds due to my belongings being stolen.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to display innacurrate employer ( XXXX XXXX ) on credit report.
Product: Credit card

My Apple Credit card is issued by Goldman Sachs. I have had XXXX instances where I make a payment and it takes several days for the payment to be credited. 

# 1 On XX/XX/XXXX I made a payment from my bank account for {$300.00}. Goldman Sachs did not apply the credit until XX/XX/XXXX. 

# 2 On XX/XX/XXXX I made XXXX payments totaling {$550.00}. XXXX payment was for {$12.00} from my Apple pay account and the other was from my bank account for {$530.00}. Neither payment has been credited to my account as of today, XX/XX/XXXX. I escalated the issue to an Apple Card Supervisor named XXXX today and she said " If you would like to avoid these payment hold concerns for future circumstances, I normally advise making payments with Apple Cash, as they are not subject to a payment hold. " I told her that the apple cash payment for {$12.00} still has not been credited and she said " The Apple Cash Payments were released however, since the bank payment is more and is on hold, it overrides it. '' I am filing this complaint because in XXXX there is no reason for a credit card/banking institution to not apply a payment from a bank or verified cash source within 1-2 business days. Goldman Sachs and Apple are intentionally harming me and not allowing me to use the money that has been applied to my account. I want this practice to stop and I want to be compensated {$2500.00} for the time I have spent trying to get this resolved and for not being able to use my own money for several days. Apple should not have a policy of applying payments using their system faster than other banking institutions since the payments can be verified within 1-2 business days. In my case, Apple is not even following its own policy because the payment made via Apple Cash has not been applied to my account.
Product: Debt collection

I moved out of XXXX XXXX, XXXX, WA XXXX in XX/XX/XXXX, due to pest infestation, rampant theft, burglary and vandal problems, and due to the the intent of management to raise my rent to unaffordable level for me. After moving out in XX/XX/XXXX, later in XX/XX/XXXX, I received an automated bill for rent. I called and emailed XXXX XXXX management who informed me in writing via email that the rent and utility bill sent to me was a glitch in the system and that they would fix the problem. 

Now in XX/XX/XXXX, I have been contacted by the XXXX XXXX XXXX company to pay a {$1400.00} bill that they claim I owe to XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX who is under a new manager and explained to them the glitch in the system that had wrongly billed me in XX/XX/XXXX. I also asked them to give me the original bill so I can send it to the Washington State Attorney General 's Office. 
XXXX XXXX management said that was under old management and they have refused to give me the original bill from XXXX XXXX that I allegedly owe. 

I am permanently unemployed and I am a XXXX XXXX XXXX, who has had XXXX XXXX XXXX ( XX/XX/XXXX and again on XX/XX/XXXX ) and I am unable to pay this {$1400.00} bill that I do not owe XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Date : XXXX XXXX Amount : $ XXXX Action : Some of your products or services are in violation of the PayPal Acceptable Use Policy. As a result, you can no longer do business with PayPal.