23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TransUnion stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX Account No. XXXX i, XXXX XXXX XXXX made a payment " Tender Of Payment with coupon on multiple occasions to XXXX XXXX. They credit my XXXX XXXX Account in full for the amount tendered on XX/XX/2019 but then on XX/XX/2019 i received an email stated that they had reversed the payment due to fraudulent activity or a suspicious payment tender money order coupon which is one in the same. 
Therefore the amount tendered should be discharged at this point and time showing on my account paid in full zero balance. I was told that the account reflects a current balance of {$0.00} XXXX. TransUnion falsely stated In a different response to this complaint, we TransUnion contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance was still owed per the automated system. You must contact a human not a automated system. The system they have does not communicate with humans accurately and phone calls are illegally made to the human when no debt is owed. XXXX XXXX called and left a message on my phone telling me they received the tendered payment and it was forward to the back office where these types of payments are finalized. I did not call them back nor have i herd anything concerning a bill or a debt owed. 

Please note that i am disputing the reporting of the above identified account on your TransUnion credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount TransUnion claims to be owed is false by automated machine? How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. 

XXXX XXXX called me on Monday XX/XX/2019, concerning a different account at XXXX, i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount in the full amount, and that they would cease the automated calls. Please accept our apologies and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received. 

Now if a automated machine calls and gives incorrect information to the party on the other end, how then is TransUnion claiming this is how they verified what was owed or the balance? In fact a tender of payment was received by XXXX XXXX on XX/XX/2019 for three times the amount owed. 

TransUnion ignored the Tender of Payment attached herein and went on the basis of a automated machine, when i got word and confirmation form a woman human person named XXXX whom stated the call was an accident and my payments was received. All calls are recored by both parities and i am willing to provide a copy of such call [ s ].
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account has been froze by Bank of America I have money in account they will not give me Im about to be evicted and disconnected power notice I have {$1700.00} in this account that they will not release Im at my breaking point I have a three year old and I dont wan na be homeless
Product: Mortgage

This complaint is directed to Mr. Cooper Mortgage LLC. Thanks to your efforts, XXXX mortgage disclosed that our mortgage payment we made to them on XX/XX/2020 was inexplicably reversed and sent to my new loan servicing company, Mr. Cooper, on XX/XX/2020. Mr. Cooper never applied the {$1500.00} payment to our mortgage. I have called and messaged Mr. Cooper several times with copies of the documentation including the confirmation that they had received the XXXX delivery of the money from XXXX. I have still not heard what happened to our money. They initially denied they received the money from XXXX and it took me a while to have XXXX provide documentation that this transfer had been completed on XX/XX/2020. The payment has not been applied to our loan or refunded to us as of today nor has Mr. Cooper been responsive to our repeated requests for information about the money. In addition, our credit has been adversely affected with 30 day late payments reported to the credit bureaus and this needs to be reversed as not only did we make the payment on time, we also made an additional payment in XXXX to cover the payment Mr. Cooper lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX,
Product: Credit card or prepaid card

I ( merchant ) used the Chase quick accept tool to accept 5 {$100.00} visa prepaid cards. J.P. Morgan uses we pay to facilitate the transactions. It says in the documentation that I should receive the funds the same business day however that didnt happen. I called the next day to ask for a status and they said that sometimes it can take up to 5 days if they investigate. On my chase app the charge showed as Completed. A few days later i was told that my merchant account is closed and they are holding the funds And will POSSIBLY release them in 120 days. They will not give any explanation. I went to my local chase branch and spoke to my banker and they wouldnt provide him with any information either. So now chase is holding the funds minus the service fee for 120 days or forever. I have never heard of such a thing. I registered the gift cards online when i received them and they cleared without issue. They offer me the ability to refund the payee and I request that and this was the email. 

Thank you for the response and feedback. 

We apologize for the inconvenience, but we're no longer able to process payments for your account. 

We're held to strict guidelines on what we can and can not process through our site. After a standard review of your account, our Trust and Safety team has determined that we will not be able to provide you with our services.

All information regarding our review process is proprietary, so no additional information is available in these instances.

We apologize for any inconvenience this may have caused.

You may appeal this decision at any time by sending an email to XXXX. 

More about Merchant Appeals can also be reviewed via our Knowledge Base article below : https : XXXX Please advise if you would like us to refund the payments back to the payers instead of waiting 120 days. 

We wish you the best moving forward. 

Kindest regards, Yes please refund the payers. 

XXXX XXXX XXXX XXXX XXXX, Thank you for your response. 

I have submitted your refund request to our Trust and Safety for further review. That review can take up to 5 full days to be completed.

Should Trust and Safety need additional information from you, they will surely reach out directly via email. 

Once the review is completed, your refund requests will be processed. 

Please let us know if you have any further questions in the meantime. 

Thank you for your patience Kindest regards, Hello, Thank you for your patience in this matter. 

We apologize, however the funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from closure date. 

We sincerely apologize for the inconvenience this has caused. 



I have no access to the merchant services applications at all now. As a brand new business I dont have the extra money and cant loose {$500.00}. Now with that being gone the product that i purchased using the credit card can not be paid for in turn effecting my credit.
Product: Debt collection

RNN Group rep XXXX, a manager, has contacted my employer for over a week and my manager has requested repeatedly that RNN Group not call and they are not releasing any information without written consent from an employee. I have called the number back only to get a voice mail every time. I have left voice mail requesting them to stop calling my work. Today XX/XX/2019 they have contacted my employer three times. XXXX is requesting my social, birth date, work hours be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Product: Debt collection

This complaint is against XXXX XXXX XXXX ( XXXX ), a debt collection agency. The agency did not follow the procedure stated in their demand for payment. 
The first statement and demand for payment includes the following statement : If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. I sent a written dispute, and have not received any further communication until a second statement and demand was received two months later. 
Chronology : XX/XX/XXXX : Received 1st statement and demand for payment ( {$350.00} ) dated XX/XX/XXXX XX/XX/XXXX : Mailed dispute letter with proof of debt satisfied by certified mail, return receipt XX/XX/XXXX : Received and signed by XXXX XX/XX/XXXX : Received 2nd statement and demand for payment dated XX/XX/XXXX The above documents are attached. 
It appears XXXX is insisting that I pay even though I have disputed the debt and have never received verification of the debt. I believe there is no verification since the obligation was fully satisfied by my insurance company. Further, I now assume XXXX has attacked my credit rating. I did not rate over 800 credit rating by being a deadbeat ; I have never failed to pay a debt in my life. I can not get the hospital or the collection agency to actually pay attention.
Product: Credit card or prepaid card

An unauthorized charge for {$2000.00} was charged to my Capitol one credit card. I have disputed it several times even sending certified letters yet Capitol One acts as if I haven't substantiated my claim when I have done so over and over submitting the same documentation. I am exhausted trying to resolve things with Capitol One. They keep you on hold indefinitely when you I call. They have charged me interest and late fees on an unauthorized charge.They also closed my other Capitol one account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX, I was at XXXX XXXX ( a Best Buy company ) purchasing some appliances. I was in the process of opening a Citi Card with the company, but when I heard the full terms, I told them I was no longer interested, and asked them to cancel my application. They said OK. 

Not long after, I started receiving statements in the mail with charges to a card that I never opened. ( I never even received a card! ) I immediately contacted Citi to dispute the charges. I have never had possession or used this card. Citi has not resolved the issue and will not remove the charges. 

- Current account balance, with all finance charges, is : {$420.00}. 
- Account ending in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with Equifax, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX on XXXX XXXX, clearly not 30 days late.I sent a letter to Equifax by certified mail threw the postal service, i sent a copy of the XXXX XXXX payment and the receipt from the currency exchange where i purchased it.I have copies of everything, and they still refuse to remove the late payment for XXXX from my Eqifax credit report, my payment is {$380.00} a month, on the XXXX of each month, im requesting Eqifax remove this error from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX- Account XXXX : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no prior knowledge of the debt in question, and to the best of my recollection, I have not entered into any agreement or arrangement with your agency regarding this alleged debt. Given this circumstance, I believe it is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt in question. 

As per the FDCPA, specifically outlined in Section 809 ( b ), I have the right to request validation of the debt. This section states : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' In accordance with this provision, I am formally requesting verification of the debt mentioned in your recent communication. I kindly request that you provide the following information : The amount of the debt. 
The name of the original creditor to whom the debt is owed. 
Any relevant supporting documentation validating the existence and legitimacy of the debt. 
I understand that, as per the FDCPA, upon receipt of this request, you are obligated to cease collection efforts until the necessary verification is provided. I appreciate your prompt attention to this matter and look forward to resolving any discrepancies regarding the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department XXXX XXXX applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX- and currently has a balance of {$700.00}. In early XX/XX/XXXX I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Product: Consumer Loan

A manager by the name of XXXX XXXX told my brother by telephone that I was on a list to be taken to court when in fact that was not going to happen. I then spoke to a more pleasant woman by the name of XXXX who advised if I made a payment my loan would refinance. That never happened and it has charged off since. I applied for a loan with a different company and that company called Broadway Finance. Someone at Broadway Finance told this other company how a previous conversation went and brought up irrelevant info not pertaining to the issue at hand. I do believe FDCPA laws are and have been violated and they need to be investigated on.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the multiple unsuccessful attempts and the delayed correction of late open account with Credit Bureaus. Despite multiple communications and efforts on my part, the account opening issue persists, causing significant inconvenience and frustration. Initial attempt to open the account is made, but I encountered an issue with the process. Contacted customer service immediately and was informed that the issue would be resolved promptly. Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. Subsequent attempts to open the account is made, yet the issue continued to persist. Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the account remains unopened. The prolonged delay in correcting this issue has caused substantial inconvenience and has affected my ability to access the services associated with the accounts. I urgently request the following actions : Immediate and expedited investigation into the root cause of the issue. The account should be correcting as soon as possible : XXXX XXXX XXXX Balance : {$29000.00}.
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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio n 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. No Opt outs were granted per 16 CFR-313.17 also in violation of 16 CFR 433.2- Account number- Credit bureaus have multiple late items with unmatching dates and late payment statuses that need to be updated. Also there are multiple charge off Accounts these accounts can not be listed as income on my end due to company already charging these items off via 1099 this would be double accounting and fraudulent collecting. There was also information being shared that was not authorized to other 3rd party affiliates this is a violation of the Privacy Act of 1974. 
Company information
Product: Credit card or prepaid card

I had an American express credit card with Macy 's for over 3 years. Just recently, they closed my account without my permission resulting a 25+ credit score decrease on my credit report. I called their customer service line and they told me that they closed the account because of inactivity. I tried to explain to them that I haven't used the credit card for now but I still shop at Macy 's and will need to use it in the future. The representative was unresponsive and told me that she can not open my account back up. I tried to speak to a supervisor but no-one reached out to me. 

This account closure has dropped my credit score more than 25 point and now I wont be able to purchase a home because my credit is not good enough for a loan. The fact that the company closed my account without my permission and didn't even send me a a notice via mail or email is egregious. 

I had a similar issue with my other credit card, but they sent me a letter saying that if I don't use the credit card they will close it. At that point I used the credit card and the account remained open. 

This issue has created many problems for me and now Macy 's does not want to help me resolving this issue. Because of the decrease in credit score on my credit report, my dreams of owning a house have crumbled. 

PLEASE HELP ME REMEDY THIS SITUATION AND MAKE SURE THIS DOES NOT HAPPEN TO ANYONE ELSE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report has XXXX inquiries on my credit report. I am a victim of identity theft and I didn't authorize these companies to check my credit. They did not call me to verify this credit check. I did not tell them to check my credit. They did this on their own even with the credit block/frozen credit report. They are to call me to verify I told them to check my credit. No one called me to verify this. All XXXX credit bureaus know I am a victim of identity theft. They never contacted me about checking my credit. They are ruining my credit with their fraud checking of my credit report. They never told me they were checking my credit.