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

My name is XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX   ( XXXX  ) XXXX ( XXXX ) XXXX ( 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

From XX/XX/2020 through the present, I have been receiving communication from Synchrony Bank/Care Credit in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt. According to 15 USC 1692b I never gave Synchrony Bank/ Care Credit permission to send me statements. When sending statements Synchrony Bank/ Care Credit can not state that such consumer owes any debt according to 15 USC 1692b ( 2 ). Synchrony Bank/ Care Credit using misleading information on what a credit card is. According to 15 USC 1602 ( I ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This is also the result of 16 USC 1602p unauthorized use, Use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Debt collection

Payment demanded by XXXX for a debt with XXXX on behalf of Pinnacle Credit Services. 

I've never had an account with XXXX.
Product: Checking or savings account

XXXX payments are paid out in arrears meaning XXXX 's payment amount is for the month of XXXX. 
My wife passed away XX/XX/XXXX XXXX payment made XX/XX/XXXX Without any notice Chase placed the payment on hold, it still is today. 
Several contacts with both Chase and XXXX, including a joint phone call between XXXX, Chase and myself is still ending with Chase not releasing the funds to XXXX or to myself. 
Chase is keenly aware they do not have right to the XXXX funds. In the phone conference with XXXX and Chase, XXXX said I should sue Chase. 
I need help! The money is needed. 

I have met with Chase at the branch level on XX/XX/XXXX and XXXX. 
I have called XXXX XX/XX/XXXX? and XXXX, XXXX, XXXX. 
I arranged a phone conference with XXXX, Chase and myself XX/XX/XXXX. This phone conversation should be recorded by Chase. 

I also emailed XXXX XXXX XXXX, Chase Official listed on internet, XX/XX/XXXX at XXXX eastern time. No response to date.
Product: Debt collection

I recently Received a negative credit report concerning a hospital bill from XXXX XXXX XXXX XXXX, A XXXX hopital. I have XXXX XXXX community plan XXXX and have had it for the last three years. I also have been approved XXXX in XX/XX/XXXX, and have since been trying to maintain and build financial data. Being covered under medicaid I am sure that the bill was taken care of or simply not properly filed by the hospital in question. I have a history of XXXX XXXX and maintain multiple doctor appointments The debt is held by DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I intend to contact them and try to get the remarks removed
Product: Credit card or prepaid card

On XX/XX/2018 I have applied for a capital one quick silver card and got denied due to Derogatory marks in the past which were due to Financial Hardship in the past which were over 12 months ago. And presently I have has a job and have been paying off my balances slowly and been making a 100 % on time payments. I have been in good standing and would like to have capital one reconsider my application and I would be the perfect client for the company and wont let them down at all.
Product: Debt collection

I am writing this email because this is the second time that i received a collection letter Frontline Asset Strategies on an account that supposedly belongs me in XXXX for which i have taken action and have communicated on several occasions and have contacted the authorized stores in search of advice and through they have contacted customer service from their internal lines and according to them they have created a fraud report since I DO NOT RECOGNIZE such charges since i do not even have a telephone line in the aforementioned company Please, I request that the respective investigations be carried out on said case and that that an answer be obtained regarding said account, which, if it existed, was made without my consent. Attached Copy the report of Police and letter that colector send me.
Product: Credit reporting or other personal consumer reports

I've sent 3 letters to transunion and they keep telling me they havnt received it 20 phone calls and they're doing nothing to help me clear up the identity theft that's causing my credit to be destroyed
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - No Change XX/XX/XXXX - No Change XX/XX/XXXX - No Change XX/XX/XXXX - DROP XXXX XXXX ( REASON listed NONE ) Not only is there no reason for the drop if anything all balances decreased, and age of accounts got greater which should have increased scores. When I pressed Transunion their line was my mortgage hadn't reported!!!! What a joke! Trust me if I didn't pay my mortgage, the mortgage company would be letting the credit bureaus know about it so just proves this is all made up. Also, when they did report on XX/XX/XXXX showing everything was good that balance along with other loan balances all decreased while age of accounts got lower and Transunion gives me XXXX XXXX  back of the XXXX, they reduced my score for NO REASON. THIS STINKS OF INCOMPENTECY or worse CORRUPTION!!!!!! Is TransUnion affiliated with the banks now in a scheme to line everyone 's pockets. 

XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX increase XXXX XXXX  : This is a flat-out INSULT. Transunion drops my credit score by XXXX POINTS with no explanation and then only increases it by XXXX XXXX. 

CFPB needs to do its job! This stinks of corruption and cooperation with financial instituations and a system designed to line the pockets of everyone at the expense of the consumer. THESE CREDIT RATING SYSTEMS ARE GARABAGE AND MADE UP!!!!!!! 

I guess I want to know where the corruption starts and ends. Clearly the banks and insurance agencies are corrupt. So now the credit bureaus are part of the scam too? I mean I guess I shouldn't be surprised they were all in on the financial crash of XXXX when it came to rating mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report after using XXXX XXXX a few times and was alerted of having a thin file and all three credit bureaus were not reporting the same information. I once again saw added information that was more identifiable than my last dispute. Phone numbers, addresse that are once again do not identify me. I have more added personal information than accounts, good or bad. How is personal information added, removed and once again appear. My recent dispute showed a family members three phone numbers, address and newly added mispelled names along with addresses I have never lived in. I am alsio wanting to know how I am denied any loan, or equity credit on my propeety that is paid with no mortgage which I do not believe I have a decent credible history, same employer for 28 years and now retired. Today I discivered a possible loan on my property that if it exists, was most likely borrowed in hopes I would not have a clue so reported it to CA real estate for possible fraud since it seemed to be a transfer type cash loan which could not have initially be listed on an MLS listing without me in agreement, moving along I have applied for a small loan with XXXX XXXX and my credibility is below standard yet my property is a great asset that should be credible. 
In closing I believe the information being added is by someone I know. Should I make that person known to you or should I just check my reports more often? Also personal information in this dispute I am speaking of is XXXX does n't remove all I askex them to as if it has to be there like it or not which personal identifiable information should be the utmost part of your credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Key Bank is falsely reporting that payments were made to a credit card Debt, on a card that was stolen. Payments have not been made for more than 8 years. I believe Key Bank is falsely claiming this to keep the account in an active status. Key Bank has reported the debt as charged off. In the attachments note where it reports last payment made XX/XX/XXXX, yet in the report it claims payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is my statement that the reports of payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are also false. Even more strange accounting as they claim {$150.00} payments, yet no change in reduction of the debt is noted. This is false reporting on my credit.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. 
XXXX  : Account number : XXXX - This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. '' CAPITAL ONE : Account number : XXXX, Please remove this account due to inaccurate reporting. The payment history shows late remarks on a charge-off account, the payment status is listed as 'Unknown, ' and the account rating differs across bureaus, with XXXX showing 'Paid ' while XXXX lists it as 'Derogatory. 

XXXX XXXX  : Account number : XXXX, This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. ". 

This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Mortgage

Mr. Cooper will not file with HUD the claim for our forbearance modification so that we can close on our house as of XX/XX/2022. Theyre telling me that it could take up to at least 4 months before submitting. And refuse to allow me to speak with a XXXX. Also under the CARES act they were not supposed to report to the credit bureaus due to the covid relief plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

American Express has been at my throat to get this debt cleared up and due to the fact that cards are extremely hard to obtain because they have income requirements that prevent the average person to even get approved for this card. 

I make close to {$13000.00} a year due to my XXXX Insurance so I wouldnt qualify for a credit card on their terms AT ALL. 

Infact they mentioned that I was denied the first time that I Applied because a different social was used and somehow they approved it due to me newness into using credit. The deceptive tactics and lack of communication that I was approved was merely a fabrication. 

I did attempt to communicate with them however they are adamant about receiving their debt first and did threaten to take legal action via court of law. 

There are multiple violations therefore, all I demand for a resolution is this credit report to be taken of immediately and permanently, and that this debt no longer appears or reappears on all my credit reports.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( Block , Inc, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with errors resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violation.
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY INC # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL. I request that XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

In XXXX 2015, I completed my annual certification for my income based repayment plan. After this submission to FedLoan Servicing, the private company contracted by the Federal Government to service Federal student loans, I received an email confirmation stating that my annual re-certification had been received. I monitored my account online for about XXXX weeks and when I noticed that my re-certification had not been processed I called Fedloan Servicing to inquire. I was told that I had incorrectly completed the application. I knew this was incorrect so I called back. The next representative told me that there was simply a backlog and that it would be processed soon. Finally, the third time I called I was told that there is a process that I must go through in order to go from Income Based Repayment to Pay As You Earn, XXXX of the income based repayment programs. The process was initiated where I would make one payment before moving to the Pay As You Earn repayment plan. This bill never came. I called back and after being given wrong information from the representative for the third time I asked for a supervisor. The supervisor informed me that everything was in order but they were very busy and I would have to wait for my account to be processed. This conversation took place in XX/XX/XXXX. It is now XX/XX/XXXX and five months since I submitted my initial application and still no action has been taken by Fed-loan Servicing. To make maters worse I am now receiving delinquency letters but being told to ignore them by representatives of FedLoan Serving. I have also had to call Fed-loan Servicing on my own to make sure they do not automatically bill my bank account for bills that FedLoan Servicing admits are being generated in error but can not do anything about. Had I not called they would have removed over {$3000.00} dollars from my bank account. I would greatly appreciate the CFPB 's assistance in dealing with this Servicing Company so that I can avoid any negative credit reporting or other damaging results caused by FedLoan Servicing 's incompetence. I would also add that I am an attorney with some experience dealing with student loans and would expect that many thousands of inexperienced borrowers are harmed by FedLoan Servcing daily due it 's incompetence. Thank you for your kind consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?
Product: Mortgage

Nationstar LN XXXX XXXX Palm XXXX XXXX XXXX, CA XXXX XXXX XXXX Nationstar and XXXX continue to use horrible pictures ( professional pictures were given to both Nationstar and their surrogate XXXX ) show open toilets. Nationstar and XXXX refuse to use the pictures they demanded that we provide. Instead, they are using photos that appear to have been taken by someone who was drunk. 

The property includes a solar lease that must be transferred to any buyer that wins a bid on this property. Nationstar and XXXX have been told this multiple times and have been sent a copy of the solar lease and REFUSE TO DISCLOSE THIS to potential bidders. 

This is the third time that Nationstar has run this through their fake auction system in a vain attempt to secure a XXXX % buyer 's premium. They want a buyer to pay $ XXXX. There has not been a comparable home that has sold for that price in the last 8 years. 

Nationstar is refusing to provide a copy of the BPO that supposedly supports their opening auction price. We have been told that their value changes on a daily basis, which makes us wonder they are getting this value. Even XXXX shows this home is only worth $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

Discover and XXXX is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.
Product: Credit card or prepaid card

On XX/XX/2019 I was scammed out of 4 {$500.00} XXXX gift cards.i didnt believe it was a scam because I made the phone inquiring about my XXXX XXXX account listing so I legit assumed I was talking to an agent. He was able to pull up my info just with my listing number. After I bought the gift cards I realized it was a scam so I immediately called the credit card company and they took the charges off and said I was all set. I reported it to The Federal Trade Commission, the XXXX company and XXXX XXXX XXXX where I purchased the gift cards. Two weeks go by and on XX/XX/2019 I get a call from the credit card company asking me what happen and after I explained they said they were putting the charges back on after they said I was all set. I was told I could dispute the matter so on XX/XX/XXXX I called and spoke to the agent, she heard my story and was apologetic and said we are excellent customers, have excellent credit and will work hard to remove the charges. They said they would be sending me a dispute form by mail or email. A week goes by and no dispute form, and no email. On XX/XX/2019 I began a online chat with an agent named XXXX and asked about the dispute form and she said I would be receiving my refund in 2-3 business days and still no refund. I have proof of conversation. I then decided to mail a dispute form to the credit card company with all my documents and letter, and still nothing!! On XX/XX/XXXX they mailed me a letter saying thanks for your dispute but this is false information because I didnt dispute this until XX/XX/XXXX the day after.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information got leaked in the Equifax data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, due to suspicious activity on my report. I reached out to Equifax and was advised them fraudulent items could not be removed due to me not send enough supportive information although Equifax are the ones that breach my information. I then asked what additional information was needed to have the identity thefts items removed and was advised they could not tell me that as their system determines what supporting documents are sufficient to have identity theft items removed therefore they are solely now going to go on the word of the debt collector which is completely illegal.