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

My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is Pinnacle Credit Services. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Product: Credit reporting or other personal consumer reports

I switched XXXX  providers from XXXX to XXXX XXXX XXXX. Once I cancelled my XXXX account, they immediately shut down my online account. Because I originally opted for paperless billing and no longer had access to an online account I never received any communication stating there was a balance of {$240.00} on the account once it was closed. It wasn't until I saw it was in collections. Additionally, it is incorrectly identified as an " open '' account for one month which is also not accurate. 

I have requested many times for the delinquency status to be removed and investigated but Experian, within 24 hours of my dispute denies it, without giving it an actual look.
Product: Money transfer, virtual currency, or money service

Cash app cancel my account due to fraud and i did nothing for the account to be closed they took money out my account and I didnt back. And i cant get in touch with a real person in customer service
Product: Money transfer, virtual currency, or money service

They allows my account to be hacked swiped to businesses account, they stole so much of my money from my account back in XX/XX/year>, it caused me so much stress! It was like the year of hacker, they even got my XXXX, I was not able to reach no one live about my account and still cant reach them!
Product: Credit card

On the website of Bloombingdale 's credit card promotion website ( XXXX XXXX XXXX ), it states -- DON'T HAVE A CARD? 
Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to total savings of {$250.00} over the two days ). 

However, after I was approved for the card, the company never sent me any confirmation or instruction regarding how to use the card or the information about the approval since the promotional is only valid for two days ( litrally today and tomorrow once you are approved ). When i called them, they said i would not receive the card until 7-10 days after the approval ( therefore I will not be able to receive the promotion offer ) or i need to go to a store for the promotion. This information never shows on the website or anywhere. This is fraudulent practice.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  # XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX am I transferred {$5000.00} from my personal Chime account to my wife 's chime account using the Pay Anyone feature. The money is expected to transfer instantly from account to account but it did not after I have spent XXXX hours on the phone with chime customer service trying to get my money refunded only to have my information switched my personal information ie phone number and email address to my wife 's account I received an email stating that after reviewing the account that they would not be refunding my money! I'm in desperate need of help. I'm including pictures that show Chime is refusing 2 refund my money as well as pictures showing where the money left my account but never reached the receiver 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX  XXXX XXXX successfully deposited a payment to my PayPal direct deposit on XX/XX/21. Door dash deposited another payment for {$340.00} on XX/XX/21 and have confirmation it was successfully deposited XX/XX/21. PayPal states they have no record of this deposit and I have not received the funds. 

XXXX XXXX confirmed the direct deposit account information was correct. They provided trace id XXXX. I had a 3 way call with door dash and PayPal. According to PayPal, even with the trace id they can not locate the deposit. They said it was XXXX XXXX responsibility to take corrective action with the missing payment. 

XXXX XXXX stated the money was already withdrawn and the transfer was completed. They can not reverse the payment without withdrawing the payment from the direct deposit account. They could then reissue the payment but that would only bring me to a XXXX balance since the funds were never deposited. 

PayPal said it is not their responsibility and I would have to speak to the bank that services the direct deposit transfers. I spoke with XXXX XXXX fdic and they informed me that PayPal provided incorrect information and they are responsible for resolving the missing payment issue. 

PayPal told me there is nothing they can do about the situation.
Product: Credit card or prepaid card

Discover Card closed my account for inactivity. I had not used the account since last XX/XX/XXXX. I explained to Customer Service that I always made my payments on time. I always use this account for larger purchases and I had not made any large purchases in the last year or so. 

The other two reasons Discover Card listed. I have high balances on outstanding cards. All with 100 % on time payment. I only use a few cards to manage my credit. At 23 % interest the Discover Card is not my first choice for day to day transactions. 

Also Discover Card says I have no installment loans. I own my car and my {$900000.00} house is mortgage free. How is that bad? 

I asked to speak to the Retention Department. They informed me they could not help since the account was closed that the notice had already been sent by mail on XX/XX/XXXX. I told them I had not received anything in the mail - that the email was my first notification. I received an email on XX/XX/XXXX with the news. No mail was delivered on XX/XX/XXXX due to Legal Holidays. The email was my first notification received at XXXX XXXX CDT. I called Discover Card immediately. 

I have had this account for 6 years. By canceling my account - which is in good standing - never late with a payment - the reduction in my overall credit amount available of {$14000.00} hurts my credit score for future prospective creditors to examine.

I am not hurting my credit score - Discover Card is hurting my credit score - Unjustly. This will cost me money on higher interest rates in the future.
Product: Mortgage

Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
Applied for XXXX refinance due to lost income. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
5. Called XXXX times per day during the Hamp trial period. To tell us that our loan was in default and we needed to pay the outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following names on are incorrect on my credit report : XXXX XXXX ( Extra XXXX in my first name ) XXXX XXXX ( Last name spelled with a XXXX ) The following addresses on are incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( This address is not correct. Where did park come from? Also, it 's classified as an apartment ) XXXX XXXX XXXX XXXX NY XXXX ( Missing XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX ( totally incorrect as the apartment is in the street )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX and Transunion refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX  XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$29000.00}.
Product: Debt collection

I have tried unsuccessfully to get an item removed from my credit report. It is a debt that originally came from XXXX XXXX for cable service. The amount of the alleged debt is {$140.00}. I had a service contract with XXXX XXXX for cable but became dissatisfied when they were bought or acquired by XXXX XXXX XXXX. I called to end my service and was told I would have to pay the amount of {$140.00} even though my original contract was with XXXX XXXX and not XXXX XXXX XXXX. My service with the company ended sometime at the end of XXXX. I believe it was XX/XX/XXXX or XX/XX/XXXX.XXXX XXXX  XXXX then sent my  account to collections within a year of my service ending. It showed up on my credit report and I did not dispute it. That debt has since been sold to several other debt collection agencies and the info listed was not correct so I disputed it with XXXX XXXX and XXXX XXXX determined it was not accurate and it was removed from my credit report twice by XXXX XXXX from two separate collection agencies. Now it has been sold again to the debt collection agency " I C System ''. 

The account was opened with them in XX/XX/XXXX. I have called IC System and requested information on that debt because the dates are invalid. I contacted them on or about XX/XX/XXXX as well as on or about XX/XX/XXXX. I have yet to receive any sort of documentation from IC System. I also disputed this debt with XXXX XXXX twice and was told they verified the debt was accurate. I asked XXXX XXXX to send me the original contract and all of my payment history because this is not accurate at all. I am currently awaiting an answer from XXXX XXXX. The investigation was supposed to be finished on XX/XX/XXXX but it is still under investigation over two months after I filed the dispute. It is clear that the debt collection agencies are reselling this debt from XX/XX/XXXX when it gets removed from my credit report and then the new agency that buys the account is listing the account as new when it is an account that is nearing it's statute of limitations. This is fraud. You can not keep a collection account on a credit report by changing the dates to show it as a new account. I have done my due diligence in requesting from both XXXX XXXX as well as IC System to send me the original contract as well as my payment history. If neither company can provide me with my requested information, then they can not prove that it is a valid debt. I would also like to know how XXXX XXXX determined this debt to be accurate when they did their first investigation in XXXX XXXX XXXX.
Product: Credit card or prepaid card

After speaking with XXXX and being threatened with jail, I am still suffering from this account being on my credit report. I have never done any sort of business with Elan Financial.  I have told them several times that the account does not belong to me and they insist on continuing to report to the credit bureaus that this account is accurate.
Product: Mortgage

Dear CFPB, I have an unresolved complaint with Chase that has been going on for over six months. Back in XXXX, Chase applied a mortgage payment to principle, without my permission. I have called dozens of times, faxed, emailed, and filed a complaint with CFPB. Chase has since charged me {$400.00} in late fees and says I owe them money for a mortgage payment that is short but this is not true and fraudulent. They took my payment and applied to principle. Despite my complaint, Chase has still not resolved the issue. Today, I am trying to make my mortgage payment by phone but Chase will not take it unless I pay them " the full amount withstanding '' which is the amount of the principle payment applied in XXXX. I made the payment using my bank today XXXX XXXX but it will not arrive by XXXX XXXX. I notified XXXX XXXX, the rep on this issue with Chase by phone about this predicament. I do n't want additional late fees and I should n't be charged anything more than my mortgage payment. This is formal complaint that Chase has billing practices that are abusive. This also serves as a record that today, using my XXXX XXXX XXXX of account I sent {$2200.00} for my XXXX mortgage and sent {$650.00} for XXXX payment. Chase sent me a letter in XXXX that I had {$650.00} in escrow so that is why I paid that mortgage payment that way.
Product: Credit card or prepaid card

I've filled a dispute with Transunion, in regards to a late charge that appeared on my credit card statement that was inaccurate for XX/XX/XXXX. The payment was never made late. 

I first tried to contact the credit card company " XXXX XXXX '' which at the time was extremely rude and short. About a year went by and I came to find out that I had an option to dispute that late charge. 

I filled a dispute with Transunion. My dispute was filled on XX/XX/XXXX and I still have not heard a response. Can you please help me resolve this issue and get this inaccurate late charge lifted from my credit. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment in XX/XX/2020 for Captial one. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact capital one to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXXXXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion file # date issued has showing on my credit report XXXX XXXX XXXX   XXXX Account # XXXX showing on page 5 of 13 and should not be on my credit report as stated by Item will be removed XX/XX/18
Product: Credit card

On XX/XX/XXXX  I got a notification on my phone from XXXX of a hard inquiry from capital one which I did not make. I contacted capital one and let them know it was fraudulent. I immediately locked all my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many different Addresses on my report it shows creditors red flags filed identity theft no action taken Too many wrong names on my report throws red flag to creditors filed a dispute no action Old hard inquiries are impacting my credit score Tried to get them removed no action Identity Theft file a dispute no resolution
Product: Credit reporting or other personal consumer reports

Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act. 

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction. 

Unauthorized/Erroneous Account RESULT OF The Equifax Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.
Product: Credit reporting or other personal consumer reports

I have already sent a letter to the TransUnion bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This shows up on my credit report as a bad debt. I have known knowledge of it. 

Account name California business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2014 {$850.00}, XXXX XXXX XXXX XXXX XXXX, ca. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention my concerns about Nissan Motor Acceptance Company 's ( NMAC ) practices regarding the sharing of personal nonpublic financial information of its customers. As a customer of NMAC, I have been made aware of their information-sharing practices, which I believe may be in violation of federal and Maryland state laws. 

The Gramm-Leach-Bliley Act ( GLBA ) is a federal law that requires financial institutions to safeguard the personal nonpublic information of their customers. The GLBA mandates that financial institutions provide privacy notices to their customers explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I am concerned that NMAC 's privacy notices do not adequately explain their information-sharing practices and do not provide customers with a clear opportunity to opt-out of having their information shared.

Additionally, the Maryland Confidentiality of Personal Information Act regulates the disclosure of personal information by financial institutions in Maryland. It requires financial institutions to provide customers with privacy notices explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I believe that NMAC may be in violation of this law by not providing clear and concise privacy notices to its customers.

I urge the CFPB to investigate NMAC 's practices regarding the sharing of personal nonpublic financial information and take appropriate action to ensure that NMAC is in compliance with federal and Maryland state laws. It is imperative that consumers ' personal information is protected and that companies such as NMAC handle this information responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus Experian and XXXX XXXX are violating my privacy rights according to the fair credit reporting laws15 U.S.C. 1681-1681x. My bankruptcy was XXXX XXXX however it still reads as a open discharge on. XXXX.
Product: Checking or savings account

I got charged {$24.00} in my Chase business account for 2 monthly service fees. I was told ( after they were already charged ) that this was because I did not have the required minimum balance. Yet, I had enough money as indicated by my average daily balance in my Checking account. Therefore, I would like refunds for these two fees.