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

XXXX XXXX does not keep up to date accurate records for accounts serviced. I sent XXXX a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.
Product: Bank account or service

I started my mortgage modification with my previous mortgage company in XXXX XXXX ; my loan was sold and my new mortgage company took over in XXXX XXXX. I have made over XXXX phone calls since XXXX XXXX requesting a modification, numerous faxes, over XXXX documents submitted. In XXXX XXXX, I was informed that because my previous modification took place in XXXX, I would have to wait until XXXX XXXX in order to be qualified. We are approaching XXXX XXXX, and I am still waiting for my modification to be approved. This process has been frustrating ; I have been lied to on several occasions. I am disgusted. This processs has created an environment of ongoing stress and instability in my home. I need help. This is the second complaint filed with this office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in Georgia trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both Equifax and XXXX. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the FTC as an a fyi.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX  in regards to my credit card running late. First I still have XXXX XXXX XXXX card in which I spoke to them and told them that the person called me from XXXX XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX XXXX  back in 2002. XXXX XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with XXXX  for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for my loan applications.DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX  XXXX**** and DEPTEDXXXX  XXXX****
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balanced {$1.00} XXXX XXXX XXXX Balanced {$840.00} - XXXX XXXX Balanced {$0.00}
Product: Credit card or prepaid card

My XXXX prepaid card was closed some time around XX/XX/2019 by Chase bank. I can't access my remaining fund on the account and the phone rep I called on XX/XX/2019 said she doesn't know how long until the fund is released. This is such a scammy way for XXXX to take a interest-free loan on my money.
Product: Debt collection

XXXX XXXX XXXX XXXX has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. XXXX XXXX XXXX XXXX is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX  multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). XXXX XXXX XXXX XXXX refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that XXXX XXXX XXXX XXXX continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from XXXX XXXX XXXX XXXX by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I've also made XXXX XXXX XXXX XXXX aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if XXXX XXXX XXXX XXXX does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stressed I file Documentation last XXXX but I haven't received any response yet. I want those inaccurate and unknown accounts must be DELETED ASAP or I will file litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I never applied for any credit card with XXXX XXXX  in which shows on my credit file in Hard Inquires. 

Thia fraud has impacted my credit score. 

XXXX XXXX all so needs to provide and all documents to this transaction of some one applying for credit card in my name in which i never applied. 

I all so had another Bank credit card applied week after same month
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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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: Money transfer, virtual currency, or money service

On XXXX XXXX, I contacted CashApp about a pending charge when funds had not been returned to my balance. I asked CashApp through chat why it was not released. They said the hotel placed a temporary hold on my card for {$180.00} on XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX and the payment was still pending. However the pending charge is {$340.00}. 

Another hotel charge is pending for {$320.00}. The receipt from that hotel and the charge does not match. The receipt from the hotel says {$240.00}. There was also a charge XX/XX/year> during the night for {$100.00}. When I asked the hotel, I was told it was for incidentals and would be returned in 3-5 days. It has not been returned. Also the charges are grouped and therefore, I am missing transactions. 

In the chat, I was told that charges drop off in 30 days, and to reach out to the merchant to cancel the pending charge on their end. They did and CashApp still has not returned the funds. I was told the same thing by phone. Then another date by email which was XX/XX/year>.
Product: Credit card

American Express has a credit card issued under my SSN with a {$22000.00} limit. It appears in my credit report. I had never applied for this account and its a fraud account. The name/address/dob on the account does not match mine. I have sent Amex a notarized affidavit of Identity, a copy of SSN card, Driver 's License, FTC report, Receipt of police case and an affidavit stating that I have no XXXX XXXX checking/saving account which they claim I have used to pay for this fraud Amex Credit Card Account. I have raised this issue FIVE times and every time they say " Thank you for bringing to our attention the dispute regarding the account referenced above. We have reviewed our records and are unable to accept your claims since you made the payments. Therefore you have accepted liability for the account. Our investigation has revealed that payments have been made from your XXXX XXXX Account Bank ''. I have five such letters with me. 
They refuse to send me the document based on which they concluded that the XXXX account is mine. I do not have any XXXX XXXX checking/saving account and I mentioned that in my notarized affidavit. 
They sent me the transactions on this account for last 2 years and its very obvious that the account belongs to someone in AZ who had used it in the past to buy airlines tickets also ( names of the passengers are in the transactions ) They have refused to close the account, even though I have requested this FIVE times. 
They have refused to send me the XXXX documents unless I attest that my name is the one which appears on their records ( wrong name-wrong person- they are using my SSN ). 
This has been going on for 1 year now. So if the person who has this fraud account under my SSN decides to buy something for {$22000.00} and not pay back - Amex will hold me responsible. 
They want me to get a notarized letter from XXXX XXXX that I have not paid for this account. I can not get such a document as the XXXX XXXX Branch Manager says that they can only give a letter for the accounts I have, but not a letter stating that I do not have any accounts. 
The customer service from Amex has not been helpful at all and they refuse to even do a reasonable investigation or send the documents they have used in reaching their conclusions. 
Its almost like Amex is holding me hostage to Identity fraud and waiting for the fraud account holder to commit a fraud and then go after me for collection. 
I am extremely frustrated with Amex and their harassment.
Product: Mortgage

I am current with my mortgage with Ditech however they are showing my account as past due. I have been told by their Customer Service Dept. that it is due to a software upgrade at the beginning of XXXX and that when I made my XXXX payment on XXXX XXXX they did not allocate it properly. As of today my account is showing that I owe them the payment for XXXX plus a late charge and the payment for XXXX. I have contacted them at least five times and each time I am told that they are working on resolving the matter, however I am getting collection calls from them even though I have been told that my account is noted that the issue is on their end and I should not be receiving such calls. I believe that the calls and the incorrect allocation of funds are a form of harassment and possible fraud.
Product: Credit card or prepaid card

My XXXX  card was hacked and all my funds were stolen XX/XX/XXXX, called and made a claim. Bank of America, then processed my account as fraud and my card had been closed up until XX/XX/XXXX. I had to re submit a claim and still no word. Its very very hard and depressing to have to go through this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that Experian on their credit report had an open invoice balance from XXXX. This was an incorrect charge being bill extra months after the service with XXXX was terminated. After notifying credit agency about the incorrect billing, they just contact XXXX to verify that this has been charged and perform no other investigation. When inquired how do they know if this a correct bill, their response that is not the credit agencies responsibility. They only take information from companies reported to them and do not take any contra info from consumer. I also spoke to XXXX to try to get it resolved. I asked XXXX how they know that this an accurate bill and its not incorrectly being charged, their only response is that it was invoiced. I asked how you know that the invoice is correct. They have no response to this. I also asked to go back and see per the records and tell me the last time I made a call or used their service in order to prove that I was missed billed. Their response they dont keep this record, but they have ever call and conversation that we tried to get this resolved. The credit agency should be responsible for the information they are reporting to make sure its accurate. As noted above they accept the information from XXXX as true with no verification, but do not allow for any dispute procedure with the consumer to be recorded on file. They only go back to XXXX and get a statement from XXXX that it was investigated per FCRA and have no copies of the FCRA investigation on file. In fact, I believe as a consumer you cant obtain a copy of the FCRA investigation without a subpoena. At minimum they should allow the consumer to have a rebuttal to the disputed charge and when companies look at the credit report see that this is a disputed item.
Product: Credit card or prepaid card

Purchased 2 XXXX XXXX prepaid cards that was not activated with the funds that paid to reload I paid XXXX on one card and XXXX on the other in which I have receipts for on the receipts it shows that the money was activated to a American Exspress card just not the cards I purchased
Product: Credit card or prepaid card

XXXX XXXX In Store Order XXXX Order For Purchase Total XXXX Promised 24 Mo Finance , Recended, Pay In Full HAVE NOT RECIEVED ITEMS PURCHASED CONTACTED XXXX XXXX CITIBANK / Told To Pay In Full XXXX XXXX  Customer Service Will Do Nothing CITIANK FRAUD / XXXX XXXX  FRAUD
Product: Student loan

let 's start with my intention. I started knowing loans would go back into repayment and was planning to pay off some loans outright so that when forbearance ended, these couple of loans I would pay off was so that it would not apply interest to my balance. I logged onto my loan servicer Edfinancial services in XXXX of XXXX  and checked on my loans and balances okay. I received some birthday money and managed some savings to pay off the loans around the end of summertime. I checked again at the beginning of XXXX and saw no balance due. On XX/XX/XXXX I was paid and had enough saved ( I know a little late but still have two days or forbearance technically ) I logged onto pay my loans off. first off, now my account shows I have a balance due and my loans each have an amount due. I tried to call and inquire about my situation and was on hold for 4 hours plus and was eventually just dropped by XXXX-call. website makes no sense as all loans on website display 0 % interest I have a 4hr+ recording of this last session with the phone call ( well XXXX-call ) and webpage displaying misinformation. even still I wanted to pay off my loans outright and tried to pay online through their portal. when I paid online only after confirmation does it notify me that payments take 2-4 business days. Although this is most likely due to them using bank account info rather than a debit/credit payment portal. however, to be honest why do they not have same day transaction as a loan servicer this alone is a disservice to the people, they service in regard to paying federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX   account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ...

I need to find out who did they speak to?

how was this information verified?

who completed the investigation from the credit bureaus?

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent account XXXX XXXX XXXX XXXX date opened : XX/XX/2011 Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
l will send proof showing EQUIFAX is the only credit bureau with this error and they are Also reporting A 9 year old out dated account that belongs to someone else
Product: Debt collection

This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.
Product: Debt collection

For almost five years I have been disputing an account with Comenity bankXXXX in which I never opened and/or had. As you can see in the attachment Comenity bankXXXX sold the account to a third party collector in which the third party collector tried to sue me until my attorney got involved. Once my attorney notified the third party collection attorney SEVERAL times asking for the summons and complaint ( in which the third party attorney never gave to my attorney ) this case was dismissed The third party collection attorney decided not to pursue this erroneous debt. I want this off my credit report immediately!
Product: Credit card

I paid {$250.00} to bring my account current ant Capital one took my money and closed my account
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Transunion Credit Report.
Product: Bank account or service

I am a card holder for " RUSHCARD '' and for 10 days i have not been able to access my account due to a programming switch glitch within the company. Not only myself but XXXX of other card holders are suffering due to this situation. We all have payroll checks Goverment checks posting to that card. the bank that Rushcard is affiliated with is XXXX. Now my XXXX payroll check will be deposited on my Rushcard account tomorrow and i still can not access. This has been going on since XX/XX/XXXX. 
As it stands i can not pay my bills all services are on final notice and can not pay rent so my housing is on the line. My job is on the line cause i can not drive to work nor pay anyone cause i have no access to my funds. Can not purchase groceries i work everyday for minimum wage in the State of Connecticut and i am not really making the bills now. i have moved 3 times this year cause of financial issues and now to have my pay check just taken from me is more than i can bare. i am a XXXX mother of XXXX it was XXXX children but XXXX are grown and have families of there own.But i still have XXXX that i have to take care of and XXXX is XXXX. i have been a member since XX/XX/XXXX and never encountered anything like this. I call i go through the automated and get transferred to customer service just to get hung up on. i have called over 30 times in the past 2 weeks and end up with the same result Nothing. No Explaination no Compensation for the hardships that we all as cardholders are enduring at this time. We are loosing everything and nothing is being done.