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

Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from XXXX XXXX  via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the account referenced on my TransUnion consumer report does not belong to them. Additionally, the same documentation that I also sumbitted to them via hard copy through the US Postal Service was returned to me with a notation from the Postal Service that the company does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.
Product: Credit card or prepaid card

On XX/XX/2021 I Purchased an item from XXXX for XXXX. An authorization hold was placed on my card ending in XXXX. The store I ordered the item from did not have the item in stock so they cancelled the order. The authorization hold was removed and returned the following day XX/XX/2021 by XXXX Transaction # ending in XXXX. Today is XX/XX/2021 I have reached out to Fortiva Customer Service via telephone and chat multiple times totalling 10 or more. They refuse to refund this money saying it has not been refunded. I contacted XXXX customer service again obtained screenshots from there computer systems showing the transactions and refunds again Fortiva said it could take up to 30 days. This is not the only refund I was owed I. Owed refund from multiple retailers totalling around {$200.00} However when I threatened to contact the XXXX my entire account history and all transactions were erased from my account. They are not accessable online or by telephone. I refuse to pay this bill until the proper adjustments are made. I am now over the limit when I should only have a balance of around {$200.00}. This company lied multiple times and has broken numerous Debt Laws. When threatened with CFBP my entire account history has been erased now I have no idea what they have charged me and for what transaction or when.
Product: Mortgage

As part of the settlement, BOA agrees to pay {$12000.00} moving costs. I have asked repeatedly to have this money forwarded to us. Once again in their response they have mentioned that they offered to pay the {$12000.00}. I am asking that you intercede an collect the {$12000.00} as part of their offer to sell the property. The property will be moved before the end of the month and the funds are needed to complete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with transunion about a dismissed bankruptcy chapter XXXX that is showing up on my credit report i never filed this bk it doesnt belong to me someone else filed under my name as Ive been a victim of identity theft. I contacted XXXX XXXX and no bankruptcy is showing on their system I also contacted the Federal Bankruptcy and they stated they Never report any bankruptcy case to any credit reporting agency. I sent all documents to Transunion and said they have verified the bankruptcy with the courthouse which that is not true cause the Bankruptcy courthouse doesnt report to any credit reporting. Transunion is lying and is in violation of 15 USC 1611 and 16 CFR.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX Transunion When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims.

Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/WAYFAIR is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).
Product: Checking or savings account

On XX/XX/year>, I opened a checking account with Citibank. Since then, I have faced numerous issues, including : 1. Difficulties with fund transfers and subsequent overdrafts caused by Citibank 's mishandling of the situation. 
2. A block placed on my account due to unspecified security concerns on XX/XX/year>, without any clear explanation or timeline for resolution. 
XXXX. Inability to access my account and funds, causing severe financial hardship and inconvenience. 
XXXX. Inadequate customer support and communication, with representatives failing to provide effective assistance or timely resolution. 

I have made numerous attempts to resolve these issues through various channels, including contacting customer support, visiting a Citibank branch, and filing complaints with regulatory agencies ( CFPB, OCC, and XXXX XXXX XXXX  ). Despite these efforts, Citibank has failed to provide a satisfactory resolution. 

Citibank claims to have sent a verification letter containing a reference number, which I must provide along with information related to the opening of my account and subsequent activity. However, it has been well over the expected delivery time, and I have not received this letter. 

When I called Citibank to request another letter, their agents repeatedly hung up on me, further exacerbating the situation and demonstrating a lack of professionalism and concern for my issue. 

Citibank 's response to my previous complaint with the CFPB was inadequate, as it failed to address the core issues and the lack of communication on their part. They have not provided any clear explanation for the block on my account or offered any alternative means of identity verification, such as accepting my phone number, which is tied to my account. 

The prolonged lack of access to my funds has caused significant financial strain and personal distress, as I have bills and obligations that can not be met due to this issue.
Product: Debt collection

I have never signed any contract for services with Resurgent Capital Services or any of its affiliates. I have requested a copy of the original contract with my original signature proving that I entered into an agreement with this company, Resurgent Capital Services or any of its affiliates. I haven't received a copy of this original contract showing my original signature.
Product: Credit card or prepaid card

A credit card was fraudulently opened under my name in XX/XX/XXXX.i never applied nor had this card and Ive been disputing as well as made a police report on this as well, a gentleman by the name of XXXX XXXX stole my identity opened auto loans and credit cards and also stolen my father information and opened business cards under his name and took {$19000.00} out of one card through a XXXX  app
Product: Money transfers

I have now and have had an account with Paypal since 2008. I have always funded my paypal purchases with my bank account. A little over a year ago I was making a purchase and continously received a pop up for what they were calling paypal credit. I clicked on the link interested in seeing what it was about and to get more information. I was instantly signed up and the payment was made on my behalf utilizing the paypal credit. I attempted to contact someone on several occasions and my emails were either ignored completely or I would receive an email back with their policy copied and pasted but never the opportunity to speak with a representative. Over the next year I continued to utilize paypal unaware that pretty much every purchase that I was making was then being defaulted to the paypal credit. I again tried to reach out to someone in Paypal customer service again I was unsuccessful. I had he funds available and did not want Paypal credit. I do not think that I should have to pay them for this unethical practice to trick its customers into accruing debt. I'd used Paypal for 5+ years prior to this with no issues and had no problem paying from my account. This trick to get people to use their credit and in turn run up debt is sad and should be dealt with immediately.
Product: Debt collection

This company reported very little information to XXXX, so I had no idea what this collection was about, this has intentionally hurt my credit score and  attempts to dispute this was ignored by the collection agency. I called and talked with XXXX  XX/XX/2019 and they informed me the company was XXXX XXXX XXXX for XXXX XXXX. I paid XXXX XXXX directly. Not only does the collection agency not provide information to the consumer on the credit report, but they are also reporting this as an open account in retaliation.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

my mortgage has been in forbearance while i have been waiting on a decision for nevada haf to help bring mortgage current... i was told that no negative reporting would take place and it didnt until 5 days ago... i asked the company why this was done and i was told there was nothing that they could do and to dispute this information... .the issues are that i was told no negative reporting would take place during the process ... XXXX XXXX months straight during the process with nevada haf and XXXX Essex mortgage i fell into this terrible loop of " we reached out to your mortgage company but have not received the required information to approve you ... .but then id contact the mortgage company who insisted that they have sent whatever this info was that they needed ''. this kept going on and on one to two times a week for two months with this same scenario... theyd send it and nevada haf would state they didn't receive it... finally had to reach out to my senators office because nothing was being done... ..not sure if this helped but then suddenly two weeks ago days after submitting the complaint to the senator i was approved ... ..i immediately contact essex mortgage to let them know by phone and also emailed a copy of the acceptance letter along with how much id be receiving... they responded to email and told me that they were going to set me up with a spoc... we were all happy that this nightmare was over and now was a matter of finally getting the check over to them from nevada haf ... .i go in today for paperwork ... at any rate you can imagine my surprise when i get alerts all over the place that they reported the delinquency to the credit bureaus tanking my score...... i called and ask why they would do this knowing that finally i got approved and that they were going to get the money ... XXXX.they stated my forbearance ended as of XXXX so they did this ... ..i stated that this made no sense that for months we were in this terrible loop and you didnt negatively report anything but now that ive gotten approved now you choose to take the money and report it negatively ... they are paying you way more than what i owe which gives me a cushion... i know that for the most part that these payments are sent at the end of each month will i then be reported as delinquent each an every time you are paid according to the program ... .i also reminded me that while im not sure where the breakdown was but because i was caught in the loop where they were being accused of not sending over the information for months and you insisting that you did that time was being held up when someone could have easily picked up the phone and talked to each other .... mean while time is going by because of this and then to report me like i had any control in that part of this terrible process is unconscionable... they then proceeded to find any excuse to leave the negative report the way it stands telling me to dispute it... .stating that since the covid thing was over that essentially they can do this
Product: Checking or savings account

I recently got a letter in the mail from Chase Bank stating that due to certain transactions I've been making with my account, they want to terminate their relationship with me. I have 13 days to close my account and find another bank. When I called the bank regarding this, they wouldn't state the exact reason why they are closing my account. I also went to a bank branch in person, and they wouldn't tell me the reason there either. I've never been involved in fraudulent activity, so I have no idea why I've received this termination. The least the bank can do is let me know why they have made this decision. I have been a Chase customer for over a decade, and this is the first time I've experienced a major issue with my account.
Product: Debt collection

I have already written to this company about a year ago asking that they cease from contacting me about an alleged debt for medical that took place in 1998. I was only XXXX and not responsible for my own health care at the time therefore this ca n't belong to me. Also, I do n't understand why they are attempting to collect from me again when I sent in written request for proof and verification that this account belonged to me. I did n't receive anything and now I am receiving another letter.
Product: Mortgage

I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. 
HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in XXXX my financial situation change due to my Mother XXXX done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe {$89.00} and I pay XXXX monthly for the mortgage.
Product: Credit reporting or other personal consumer reports

I am unable to login to my account on Equifax 's website. I can not freeze my credit as a result leaving me exposed to fraud. When I login with the correct username and password, the website says " We are temporarily unable to complete this request. Please try again later. ". The customer service agent hung up on me when I told him this after waiting for half an hour to speak to them.
Product: Credit card or prepaid card

On or around XX/XX/22 I noticed a strange charge on my XXXX XXXX credit card from a place called XXXX in the amount of {$20.00}. I promptly disputed it. Barclays, who manages the card, credited me and i thought that was the end of. I was told my card would be closed and a new one would be sent. When i got the card about 2 weeks later, it was the wrong one! Right company, wrong card number. One XX/XX/22 I had to call again and get another card, which i still haven't received. How does a company send out THE WRONG CARD?! On XX/XX/22, I received a letter stating they were agreeing with the merchant. I called Barclays and was told i would have to fax documents over, which i should not have to do because the order was fake! I have messaged the merchant, demanding my money back or at the very least, whatever i purportedly purchased. They gave me a fake order number and a fake tracking number. As of today, XX/XX/22, i haven't received my so called order. A quick 30 second search on XXXX shows XXXX is a scam. Their website has been shut down as well ( screen shot provided from date of XX/XX/22 ). This could have been easily solved by their so-called fraud team by spending just a few minutes researching online. I would like my money back immediately! I will not do business with a place that allows their customers to be scammed and stolen from! I closed my card on XX/XX/22 due to their decision to allow a fake company to steal from their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my XXXX credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance, XXXX XXXX
Product: Mortgage

Denied Energy Efficiency MortgageXXXX told that is a cash out loan. Lakeview and XXXX stayed that it is a cash out loan and that is not authorized under VA IRRRL. Need to have done and rectified. They are lying about who denied me and who the underwriter is.
Product: Credit card

My sister, XXXX XXXX XXXX, died unexpectedly on XX/XX/XXXX. At the time she was a long standing card holder of a XXXX Thank You XXXX XXXX. She had a credit balance of {$9.00} and a Thank You Rewards balance of {$43.00}, for a total of {$53.00}. I was an authorized user on the account. XXXX 's account number was XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, XXXX digit code : XXXX. 
XXXX was a XXXX adult, a life-long XXXX XXXX and XXXX resident. XXXX had very little money throughout her life. She lived with our XXXX and myself. She did not leave an estate of any kind. 
XXXX insists they will only issue a refund check to the estate of XXXX XXXX XXXX, which means we can not get the {$53.00} back from them. I realize this is not a large amount of money, but for me its the idea that Citibank knows they owe this money and they are simply refusing to give it back, We would accept a check made payable to either my father or myself, or a transfer of credit to either my father or myself. They will not do either and say they will only issue a refund to the estate. Since there is no estate, we can not cash the checks. They are not willing to work with us at all. Please help if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX  has violated my rights. 

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
Product: Mortgage

I have been trying to apply for a loan modification with Amerihomes for about a year now. I fell behind due to my debt that accumulated during my mothers death and sickness. I also had flooding in my basement. When I tried to make a payment the bank would not accept it because I was more than 3 months behind. I have applied on several occasions. I always provide all the documentation they request. Every time I call it is another document that they request. I submitted another loan modification package. I was told it was complete as of XX/XX/XXXX. It was with the Underwriter and it would take them 30 days to make a decision. Now today on XX/XX/XXXX I was told by Ms. XXXX agent ID XXXX that the XXXX has stopped reviewing my package AS OF XX/XX/XXXX because they need more information. They need proof my mother died and medical bills and they need me to send them a bill for all of my expenses itemized. They want bank statements outlining all of my expenses. This is unfair and ridiculous. They are going to keep making excuses until I loose my home. Every time they put an excuse to this loan modification. It seems like they want to foreclose on my house since it is in a nice area. We make more than enough money to pay for our mortgage between my son and my sister 's family. Our hardship was resolved and they are trying to steal our home! my family has been through enough now they want us to be homeless too!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested method of verification of " late payments '' of the account BRIDGECREST # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.