23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent you guys a letter dated XX/XX/2022 & still have not got a response. 
XXXX  Nation Wide used my identity and fraudulently opened this account and reported these derogatory accounts to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting. I've also been violated of my rights pursuant to 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with XXXX nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights as a consumer pursuant to 15 USC 1692c ( b ). This alleged owed debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8, I demand that this company cease and desist all communication and fraudulent activity reporting ASAP. This complaint will be forwarded to the Attorney General, FTC, XXXX and CFPB.
Product: Debt or credit management

XXXX XXXX and Lexington law firm have been misleading me for months on fixing my credit score and my credit reports but failed to do so. Ive paid over {$1800.00} dollars to credit repairs. I called XXXX XXXX and told them after 2 years of working on my credit score and credit reports that there werent any results fixing my credit s they told me they would stop working on my credit reports
Product: Debt collection

I received a letter on XXXX from MCM ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from XXXX XXXX XXXX XXXX. MCM informed me that the credit card from which this debt occurred was created in XXXX and that MCM purchased the debt in XXXX. I never opened a credit card with XXXX XXXX nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since MCM made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the XXXX XXXX XXXX XXXX Account Number is :  XXXX And the MCM Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX
Product: Checking or savings account

I opened a checking account in XXXX of 2018 and was supposed to receive a {$100.00} bonus for being a new Bank of America customer. That did not happen as advertised. I met the required two {$250.00} direct deposits within 90 days and once the 90 days have passed I called to find out when would I be receiving that bonus. I was informed that they do see me applying for the {$100.00} promotion but somehow their system tracked my activity for a different promotion that required an aggregate direct deposit of {$4000.00} within 90 days. The representative seemed puzzled by this and couldnt give me an explanation. After contacting multiple departments and having me stay on the phone for over an hour and a half she simply said there is nothing she can do. Bank of America admitted it was their fault yet failed to correct their mistake and pay me the bonus they use to attract new clients. This is a true example of a bank using deceiving advertising tactics.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at about XXXX XXXX, I transfered {$360.00} from my CashApp account to my XXXX account. The money hit my debit card balance account at XXXX. But after 4 minutes it disappeared. I contacted XXXX and they said it was returned to Cashapp and would not give me a reason why. After many contacts with XXXX, they could not give me proof that the money was sent back to Cashapp. I contacted Cashapp and they opened an investigation to try to find my money. But the information I gave then from XXXX like the transaction ID numbers they gave me, all turned out to be of no help or show proof that the money was ever sent back to Cashapp. So they closed the investigation and told me to contact XXXX because they never received the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes back in XXXX to XXXX  and Ive yet to receive a verdict. I also submitted other disputes on information that was incorrect and they refuse to remove it like I asked ( Experian and XXXX ) despite me submitting proof that it was incorrect information.
Product: Mortgage

My current mortgage lender XXXX XXXX XXXX ; I applied for a refinance with them on two different occasions over the past six months and they have denied both of my attempts. I am currently in a ARM with them and they have refused to grant me a refinance even though I have the same employer for the last 20 years, have a steady income of approximately XXXX $ a year and am current on my mortgage payments. I've provided all documents they asked for and my credit score is average @ XXXX. I believe that they are working against me to have me go into foreclosure and take my home which is worth XXXX $ according to XXXX XXXX I currently owe New XXXX XXXX XXXX $ They stand to make a profit on my home if I go into foreclosure being in an ARM. The current market value on homes in Connecticut is soring! I am definitely going to lose my home if they don't grant me a refinance soon. Please help me to investigate this matter. Thank you for your help. XXXX XXXX current owner.
Product: Debt collection

There is a collection account on my credit for {$290.00} for service I never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've resolved a debt of {$770.00} with XXXX  XXXX XXXX as my original creditor. L J Ross Associates is on the collection agency posting that this account is still in collections. It shows negative on all XXXX creditors, but XXXX and XXXX  report not paid, and says paid in full on XXXX. I paid all my debt off as of last summer, but it's still reporting and affecting my credit negatively after working hard to fix my credit for the last 2 years. I've called L J Ross associates and they stated that they don't see any record of me paying this bill and they're still going to report it.
Product: Credit reporting or other personal consumer reports

I have disputed a name that reappears on my credit report with Experian. This name has reappeared at least XXXX times after the dispute results in the removal of the name. Ive asked Experian not to allow the reporting of the name on my report and have been promised on numerous occasions that it would not be allowed to reappear on my credit report, only to have the name reappear regularly. Experian has the ability to block this name that does not belong to me from reporting on my credit report and causing my credit report to report inaccurately. I have a right to a 100 % completely accurate credit report at all times and should have only had to dispute this name once and it deleted once. I should not have to dispute this name multiple times like this.
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit card or prepaid card

To Whom It May Concern, I am writing this letter in regards of my dispute charge with Chase Credit Card for the amount of {$420.00}. I had to dispute the charge because I could not get it back from travel agency from where I bought it. I had a flight to XXXX, XXXX on XX/XX/2020. I bought this ticket through the XXXX XXXX   XXXX online on XX/XX/2020. Due to Covid-19 pandemic, my flight was canceled by the XXXX ( XXXX XXXX ). I contacted XXXX on and/or around XXXX XXXX when the flight was canceled, but they told me to contact to the travel agency for a refund. The next day I contacted the travel agency XXXX. They told me that I will be entitled to a full refund since the airline is canceling the flight. I waited for more than 3 weeks and never received a penny from XXXX. Then I called my chase credit card and disputed the amount. The travel agency XXXX fought back my dispute by saying that my ticket was non-refundable. My credit card rebilled the amount back to me. Their response was that the ticket was non-refundable and non-exchangeable. The ticket was indeed non-refundable and non-exchangeable only in the event if I canceled the flight myself. In this case, the airline is canceling the flight due to the pandemic. Even the U.S. Department of Transportation says that : " In the following situations, passengers are entitled to a refund of the ticket price and/or associated fees. '' Canceled Flight A passenger is entitled to a refund if the airline canceled a flight, regardless of the reason, and the passenger chooses not to travel. 
Schedule Change/Significant Delay - A passenger is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the passenger chooses not to travel. 
It has been three months now and I did not get any money from the travel agency XXXX. In addition to this Chase is making me pay for the services that I never received. I ask for your assistance and help to protect my consumer rights during these financially challenging times. 

Regards, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have funds in my Suntrust account that will allow me to pay off my loan with their lending company, LightStream. I went on Suntrust 's account to transfer the money, but the site would not allow me to do that. I went onto LightStream 's website, and it would not allow me to make a same day payoff. The earliest I could payoff my loan was Tuesday XX/XX/23. Not wanting to be charged additional money for this, I called. They, too, said I could only make a payoff for Tuesday XX/XX/23. I advised I did not want to pay the additional interest, and they told me unfortunately that is their policy and I will pay around {$8.00} extra in interest because of this. I spoke with a supervisor, who also said I would not be able to pay my account today. I had to schedule something for Tuesday XX/XX/23. I called a local Suntrust branch to ask if I could go to a branch to payoff my account in person, but I am not able to do that, either. I believe this is an unfair and deceptive practice. Although this amount may seem trivial, when multiplied over their customer base it becomes quite the scheme. I believe that if I want to make a payment for today 's date, it should not be refused.
Product: Debt collection

I am disputing and urgently requesting the removal of several fraudulent entries from my credit report. Upon contacting the associated banks, they confirmed the validity of an identity theft report and assured the removal of the accounts. The misinformation in my credit report is a clear violation of compliance with the law, stemming from inaccurate or incomplete reporting. I demand immediate correction and removal of these fraudulent accounts from my credit report. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Cash app has a promotion for a {$15.00} bonus when you invite friends and they send a payment. Twice now two of my friends have downloaded the cash app with my code and done what cash up said to do. Twice cash app has screwed me out of my bonus for some reason. They always have a reason to not give me my bonus!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union twice with in the last 5 months regarding XXXX XXXX XXXX Trans Union is reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on my account XXXX XXXX XXXX Trans Union should be aware there can only be one high balance. 
If this account was verified all three bureaus would be reporting the same high balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).

It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 

ACCOUNT : Creditors Name : XXXX Account XXXX, XXXX. 
Account Number : XXXX Please delete Creditors Name : XXXX XXXX, XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX, XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX, XXXX Account Number : XXXX Please delete
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  {$550.00} XXXX XXXXXXXX XXXX XXXX  {$640.00}
Product: Mortgage

After many many attempts via email, online chat, website tickets, and phone support, I have gotten nowhere with this company. I would never have chosen this lender myself. My mortgage was sold to this company and I have had a horrible experience ever since. They Did not pay the correct amount of my property taxes last year and then were too late to make the repayment. It went to collections. I have been getting notices and threats from the city about delinquent taxes and lawyers representing the city have contacted me about delinquent taxes. All I know is my escrow account has sufficient funds but the lender is not doing their job of resolving it. Now the city shows additional fees and interest charges associated with the late payment. I am a XXXX XXXX XXXX  who can not afford to allow this to affect my credit especially during this current crisis. I have already missed out on PPP relief loans to pay my employees and other expenses. Now my credit score is suffering due to this delinquent tax issue.Every ticket I open to request answers is quickly closed as " SOLVED '' with no explanation. And nothing gets solved!
Product: Credit reporting or other personal consumer reports

I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

I have received repeated telephone calls from a caller identifying itself as Goldman Sachs, the two most recent from XXXX XXXX. The caller claims that I owe more than {$500.00} to Apple for purchases made on an Apple credit card. Because I have done business with Apple in the past, I called and was assured that I have no outstanding balance and that Apple does not request payments by telephone.
Product: Credit reporting or other personal consumer reports

I have been trying to get help with this issue for over XXXX year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX, or negligent non-compliance, XXXX XXXX. XXXX. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages. 

I am also instituting my rights under FCRA XXXX, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX  years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.
Product: Mortgage

I started out my cash-out refinance using a VA Loan with Amerisave because they had approved me for a 3.375 % interest without paying points ( in fact they were supposed to give me {$680.00} for taking that rate ) I talked to a man at the company and he said that 's right because I have a XXXX credit score. I also received a loan estimate that showed no origination fees which he also stated they do n't charge those. Now, after a long back and forth of documents I already uploaded it was told I did n't need to send at first but then told I do need to send we are in the closing portion. I 've set a date for a closing agent to come in my house and fill out the rest of the documentation tomorrow on Tuesday at XXXX. They sent the final loan disclosure the previous Friday afternoon when they knew I was at work and could n't contact them back right away. I reviewed this final disclosure and there was and it says " Origination fees ( points ) {$2800.00} ''. So I called them out on this and they 're " looking into it '' right now, but stated those are the points to buy the rate down because they do n't charge origination fees. This is normal but as previously stated I was approved for the rate with them paying me {$680.00} because my credit score and income are within that range. So this seems to be the same " bait and switch '' AmeriSave had to pay XXXX in 2014 for, and they 've just gone back to their old ways. I will keep an update on what happens with this. My guess, they do n't get back to me until after lunch at which point I have to go into work and wo n't be able to work it out until tomorrow morning.
Product: Checking or savings account

I recieved a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mileage plus credit card and I lost my job so I was unable to pay the outstanding balance so I contacted chase to see what my options were. the account ended up going to collections before I was able to find another job. I got several settlement letters and once I found another job I was able to settle the account. I contacted XXXX who was the CSR assigned to my account and made arrangements to pay the settlement in XX/XX/2018 in which during our calls I asked here each time if once the settlement is paid that the account would be deleted from my credit file and each time she stated it would be. My credit repair company owner XXXX XXXX also contacted her before and after payment was made to inquire that the account would be deleted and she informed her that it would be. I have disputed this account several times and it still remains on my credit file. the account has been settled and there is no reason for it to remain on my account and I want it deleted ASAP!