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

This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX XXXX  being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.
Product: Prepaid card

I was given an American Express pre-paid gift card over a year ago as a gift valued at {$250.00}. After a year or so I tried to use it and to my surprise all of the money was drained from the card. I called the number on the card and after over an hour of speaking to a representative and explaining the issues multiple times, they stated that they would send me another card. After a week, another card valued at {$250.00} arrived in the mail. When I logged onto the website to verify the balance of the card, the website does not respond after entering my information. After a few days of trying this, I called the number again and they seemed to have found some issue with the card. The representative stated that there was an issue with the card that they sent me and they had to send another. After another week, the card arrived in the mail. This new card again was valued at {$250.00}. The same issue persisted. I tried to log into the website and enter the card information to verify the balance but again the website stopped responding any time I entered the information. I have spent multiple hours on the phone with customer service that hardly speaks english- it seems that they can not understand my issue when I explain it to them but then continue to send me faulty card after faulty card. I now have 3 American Express pre-paid gift cards in front of me all valued at {$250.00} but none of them work. I have tried using them at retailers and always get declined. I have tried to check the balance on them over multiple months and continue to get the website not responding.
Product: Credit card or prepaid card

I am a victim of identity theft and I have submitted all the proper documentation that Chase has asked me for. I have submitted police reports, updated police reports, proof of payments made on my account, the suspect sentencing notice, basically everything to prove that all the charges that I reported are fraudulent on my account wasn't authorized by me. My identity was stolen!!! I have also submitted letters from my other credit card companies that has refunded and credited my account for the fraudulent charges. I am not stopping until I get this resolved. I will not be responsible for none of the charges! I have been making payments on the account to avoid negative remarks on my credit report. After calculating everything Chase owes me {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2022, I mailed out a letter to TransUnion informing them of how they are in current violation of 15 USC 1681i ( 5 ) and 15 USC 1681e. I have also requested for them to remove all outdated and inaccurate personal information. They have failed to remove these inaccurate items from my consumer report and they are currently stalling by excusing me of not being the one who is demanding them the removal of these inaccurate accounts. They also have not updated my personal information to reflect, what I said is accurate. I received a letter from TransUnion that was issued on XX/XX/2022 that not only accused me of not being who I was, but also ignoring the fact that I have requested for the removal of these accounts that are currently tarnishing my reputation and diminishing my confidence in the banking system as TransUnion is willfully violating the FCRA. They have exceeded the time frame of 30 days to provide me with an investigation response so instead, they have sent over this letter.
Product: Checking or savings account

" On XX/XX/year>, at XXXX XXXX, contacted financial institution regarding opening new accounts. During the recorded conversation, representative confirmed existence of charged-off account from approximately XXXX years ago. Despite debt being well beyond statute of limitations under Texas law, institution : 1. Refused to allow opening of any new accounts unless time-barred debt was paid 2. Explicitly stated business account access would also be denied due to old debt 3. Attempted to arrange payment plan for statute-barred debt 4. Used denial of banking services as leverage for debt collection 5. Acknowledged debt 's age but persisted in collection attempt 6. Refused to provide basic banking services without payment of expired debt Representative confirmed no new accounts - personal or business - would be permitted without paying the time-barred debt. This practice appears to violate multiple consumer protection laws including FDCPA, ECOA, and Texas Debt Collection Act by : -Using banking access as leverage for collecting time-barred debt -Discriminating in provision of banking services -Attempting to revive expired debt through coercive tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Macys Acct XXXX Macys responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XXXX XXXX XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Product: Debt collection

This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account from XXXX XXXX  Acct # XXXX open on XX/XX/XXXX. I disputed this account on XX/XX/XXXX it was deleted on XX/XX/XXXX only to be place back on my Experian credit report. I have dispute 2 more time with an resolution of verified. I ask for the verification but have not received anything.
Product: Credit reporting or other personal consumer reports

TRANS UNION : I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Request for Assistance in Removing Charge-Off Status Dear CFPB, I am writing to seek your assistance regarding a charge-off status reported by Equifax for my credit card account ending in # XXXX This account has been paid. 

Despite having fulfilled my obligation to this debt, the charge-off remains on my credit report, which is negatively impacting my credit score and my ability to secure new credit. Under the Fair Credit Reporting Act ( FCRA ), I understand my rights. 

I have contacted Equifax directly to request the removal of this charge-off status, but I am seeking your help to expedite this process. Im attaching screenshots supporting my claim. 

I kindly ask the CFPB to assist me in ensuring that Equifax updates my credit report to reflect the paid status of this account and removes the charge-off notation. Your support in this matter is greatly appreciated. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

My mortgage was transferred from XXXX to Shellpoint in XX/XX/XXXX and they said that my insurance had been cancelled which was not true. I sent them proof on insurance from XX/XX/XXXX forward which showed insurance was never cancelled. Then they sent me second letter dated XX/XX/XXXX which I received XX/XX/XXXX that said I did not show coverage for the month of XX/XX/XXXX ( letter attached ) so they would place insurance for that 1 month and charge me {$77.00} I immediately emailed them proof of insurance for the month of XX/XX/XXXX. ( see attached email and proof of insurance for the month of XXXX XXXX ). But as you can see from the last letter they are charging me the insurance premium of {$77.00} for the month of XX/XX/XXXX anyway. I have made a number of calls to them and this has not been resolved. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX, XXXX .. CFPB step up please and remove these inquiries which were done without my authorization
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was the victim of a scam, I was buying a boxer puppy from who I thought was a breeder out of North Carolina. We exchanged multiple emails and a contract. I thought it was legitimate. They asked for payment through XXXX, which is available through my PNC Bank app, leading me to believe I would be safe. I transfered {$650.00} to said breeder and within 12 hours realized it was a scam, no puppy, not even a breeder. I immediately called PNC Bank 800 # for customer service, told them it was a scam and I want my money back. I was told they couldn't do anything while the transfer was still pending, I was instructed to wait until it posted and then they could file a dispute. I called back at XXXX the next morning and filed my dispute. I received a letter today saying the transfer was valid and processed correctly. They won't do anything. I am furious that I am supposed to be able to trust my bank and I am getting zero assistance in this matter.
Product: Mortgage

( 1 ) I believe I have been mistakenly put on a path through the application process for a Modification when a XXXX XXXX, 2016 Bank notification of intent to Accelerate triggered me to call the bank 's Customer Service team and the rep began me on the path of a Modification Application which I submitted XXXX XXXX via a designated single point of contact. I feel like the situation is overwhelming and spinning bigger and bigger out of control as I have discovered from reading various bank communications to me that a much better and simpler option would be what Bank of America describes as a " Repayment Plan that allows you to make your regularly scheduled mortgage payments plus pay off a portion of the past due amounts overtime. '' ( 2 ) Separately regarding the distinct, separate Modification Application process and review Bank of America Representative XXXX XXXX in our long conversation said more than once regarding all of my issues and questions raised that, " Your points are valid and you need to take them back to your Bank of America single point of contact. '' I have attached my written questions and requests made to my bank designated single point of contact here which lays our requests and questions to considered and addressed. Please note I have documented copies of all communications from the bank listed in the chronology of the attached letter. My assumption is the bank also has these in their database however I can provide upon request.
Product: Checking or savings account

On XX/XX/XXXX I made an online purchase and on XX/XX/XXXX I filed a dispute since I realized I fell victim to a scam. The scam totaled {$700.00} and was split across two transactions. I sent screenshots of chat, phone numbers, transaction ids, and everything I could. I didn't get an answer until XX/XX/19 when they told me " no error occurred '' and that " this matter is closed ''. They didn't provide reasoning why, any partial resolution, or anything. I waited 83 days for them to send me a short message basically saying sorry too bad. I want a full or partial charge back for this transaction. Online scams are very popular nowadays and all of the other banks I've used offer protection. I checked their XXXX and it's horrible. I wish I noticed it prior to setting up an account. I've tried numerous times to resolve this with calls or chats. If I call they say lets setup a chat. If I send a message in chat they don't respond for days and often respond emptily. This is the worst bank I've ever had ... no exaggeration.
Product: Debt collection

Blacklick, Ohio Apartment : The Bend at Broad by XXXX XXXX XXXX : RENT RECOVERY SOLUTIONS My wife got the apartment and everything she was being the man of the house when we moved to Ohio from New York. I didn't want to make the move because I knew she was working her way up to a divorce. all her family are in Ohio. we made the move eventually. 
she did all the apartment paperwork. I just only follow her instruction. I come from XXXX and we didn't have access to the best education. even with this my son is writing and I'm speaking. I don't know any computer skill. my son is helping me. I have asked so many time if they have asked my ex wife or contact her to recover the money. I even told them I will pay half and remove it. for the past XXXX year this make my life very difficult. I have lost out on money and other opportunities. can they give me money or those opportunities back? I don't wan na sound like smart donkey but this has make my life very difficult. 
My XXXX XXXX  name : XXXX XXXX. prune XXXX XXXX. now her name is XXXX XXXX according to XXXX. ( http : XXXX ) she is a very unlawful person and she doesn't mind doing criminal activities with XXXX of her brother. dev ghimire and narayan ( https : XXXX ) ghimire. those two have changed name also. dev to XXXX XXXX. why am I getting all the trouble and stress. please help me. these people have similar name ghimire and ghimirey. They think they can get away with anything by changing name. I believe social security number doesn't change. I don't fully know. please help me.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
please d check the listed late payment below Account Name : XXXX XXXX XXXX Balance : {$18000.00} Account Number XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Balance : {$0.00} Account Number XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave CoreLogic my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Product: Credit card

Dupe payment of over {$800.00}. Citi failed to process the update and I had credit union stop payment and confirmed with Citi. Their system completely mismanaged everything, with a different story each time I called. Then they closed the account for returned payment, causing derogatory credit, when no payments were missed. They refused to clarify the error and reopen the account. Many other credit facilities were closed when this one was opened, but I will take legal action wrt the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : Alliant Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
Product: Credit card or prepaid card

On XX/XX/2022 I started a fraud dispute for XXXX  XXXX XXXX XXXX because I never received this card and I found out that someone fraudulently spent all the funds in the account. Per federal guidelines and my understanding is that the company must resolve the dispute within 10 business days and if they are unable to resolve the claim within 10 business days then they must issue a provisional credit while they investigate the claim. Well the company is still investigating my claim past the 10 business days and they are refusing to issue my provisional credit. To my understanding that violates federal mandates and guidelines that must be followed
Product: Money transfer, virtual currency, or money service

Coinbase account has been restricted from adding withdrawal method. 
Have raised 3 tickets on this - XX/XX/2021, XX/XX/2021 and XX/XX/2021 with screenshots. 
No response from customer service so far. 

I have not been able to withdraw my funds and due to the volatility of the market, I have already lost money on the paper profits.
Product: Payday loan, title loan, personal loan, or advance loan

I had enrolled my personal loan into a short term interest only payment plan on XXXX XXXX 2024. I made what I thought was the required payment for the month of XXXX 2024 which was the month I had enrolled in the program and then noticed a few days later that my account was showing delinquent. 

I contacted the company via on XXXX 2024 phone and was advised that I need to make an additional payment for the month of XXXX since the interest only plan would not start until XXXX. Which I completed on the same day. 

I then looked back on the account and it was now reporting 31 days late. I then called again and was told first that they had no record of my call on the XXXX. After telling them I still have the history of the call on my phone a supervisor miraculously found the call log. 

After spending XXXX hour and XXXX minutes on the phone with a number of people at the Lender the informed me that the payment I made on my account on XX/XX/XXXX was not credited to my XXXX payment an was credited toward a future [ payment in XXXX and they would not rectify it and credit it to the proper month of XXXX that the representative assured me would happen making me whole for the XXXX payment and this not being behind. 

So because of the mis information I received in my XX/XX/XXXX call I had no opportunity to bring my account current and avoid a 30 day delinquency. Had the representative given me the correct information I could have brought the account current on the XXXX of XXXX. 

They admitted in the phone conversation that I was misinformed by their representative however they would take no steps to honor the guidance I was given by them. 

I have attached the recording of the last supervisor I spoke with admitting the misinformation I was given however they would not so anything.