23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection that has shown up on my XXXX  credit report from MERCH & PROF CB where they are stating I own money to XXXX  XXXX XXXX of {$140.00}. This is not due as my insurance provided them with payment and I have the EOB ( explanation of benefits to prove it XXXX. I have told the collector this and they tell me it doesn't matter as the provider would have that if that was true - they continue to call even though I have sent them the insurance company information and the EOB - their tactics are harassing and hostile and I want them to stop. This should be removed from my credit report at once as it is a fraudulent credit report against me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX works for ( PRMG ) program residential program Group Inc. Under XXXX XXXX was our lender REALTOR XXXX XXXX XXXX I were trying to buy a condo or home through these two people. The first excuse was the person who put the ccondo on the market at XXXX XXXX. Was told FHA. Problems and a lot deal from both ends. The on PUT on market wrong was not on market for 90 days. THEN XXXX income was to low. If XXXX good at numbers THEN how did he miss that. XXXX was told XXXX was a XXXX  before contract was sign. He told both he was going back FULL time in the fall to schoool. XXXX at XXXX said she had talk to XXXX. I lost {$1100.00}. reach out to XXXX boss and I got back {$320.00} was told GO after the lender he ran the numbers. Was in from was a breach of contract.XXXX Legal advise report them all should known I want my appraisal fee back from XXXX company. Both agree pay for our next fees. I told I don't like taken money like that. She called I told both I want my money back XXXX XXXX XXXX {$500.00} more XXXX from both then she took it back. Said was there fault didn't like how bad she talk of other people and theXXXX said his XXXX look over it and boils down to XXXX income..wife had no business looking at our paperwork She not our lender.. XXXX said I was connecting fraud by not having XXXX move in with me but his name was on the contract. I was informed by my lawyer doesn't matter who's on the contract as long as the house note is getting big. They're a ton of people that buy houses and they don't live in them.
Product: Credit card or prepaid card

XX/XX/2022 American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : ADVERSE ACTION Dear American Express I XXXX the consumer, was denied credit by American Express when I applied for a Platinum card. Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1691 ( e ). American Express is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 
If American Express fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make American Express civilly liable for all actual damages pursuant to 15 USC 1691 ( e ). 
I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXX XXXX XXXX CO. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive disputed it with Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Company phone banks are brushing me off about this. Experian advertised " no ding decline '' ( ndd ) credit card offers. I applied for an ndd credit card offer from XXXX XXXX advertised on the Experian website on XXXX XXXX XXXX and they declined it and placed an inquiry on my credit report anyway. I think they will claim that I clicked on a different offer that happened to be prominently advertised on Experian 's ndd page. When I go on to Experian now they no longer have " no XXXX decline '' credit card offer on my profile but when I saw later versions of their ndd page I had to scroll past a heavily advertised " XXXX XXXX '' offer to see their ndd offers which were below the bottom of my screen. When my homeowner 's insurance renewed in XX/XX/XXXX my insurer said they could not offer me their lowest rate because of credit card balances and recent inquiries based on an XX/XX/XXXX credit report. I paid off my credit cards and was being careful to keep inquiries off of my credit report so I could search for cheaper insurance when it renewed on XX/XX/XXXX. My insurance went up but they did not say it was not their lowest rate this time. I was unable to compare insurance offers because other insurers would be looking at reports that included that inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX FL XXXX XXXX, NY XXXX ; XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX A XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Inquiry Date XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  Inquiry Date : XX/XX/XXXX.
Product: Debt collection

Alleged Auto Policy was engaged by XXXX XXXX, and dancelled by Insurance company prior to first 30 days, I did not authorize a policy, they canceled and then attempted after a few months to collect a full years worth of coverage payment ... which was not ever used ... then 1 year later after cancel sent it to CCS a 3rd party collection company to attempt to collect {$140000.00}, I received a letter from them and phone calls began on XX/XX/2019 several calls already, I called then and told them to cease and desoist, I was advised that it may be reported as a debt to the Credit Reporting agency ... Im fed up with these lies, I had to go to DMV motor vehicles past year to show NJ proof of Insurance coverage, last May ... to bio t get my ; incensed suspended, I avoided that and NJ dismissed the claim and sent a caution back to XXXX XXXX for a false notification ...
Product: Debt collection

NATIONAL CREDIT SYSTEMS Is reporting to the credit bureaus that I owe {$11000.00}. I have never heard of this debt or. The company until they appeared on my credit report. This debt does not belong to me.
Product: Checking or savings account

My card was stolen and charged {$350.00} at XXXX XXXX some place Ive never been I reported it to chime whom I bank with the next day once I realized it I was told that the transaction was declined and that the funds would go back into my account in XXXX to XXXX business days and that they were blocking the merchant from taking any funds from my account I asked the agent over and over again was she sure and she reassured me that no funds would come out and I would receive them back and the wasnt true the funds posted and was out of my account later that day I immediately filed a dispute with chime which was denied and has put me in a financial hardship after I was told that I would receive my money back something needs to be done about this as Ive heard chime does this to hard working Americans day in and day bout please help.
Product: Checking or savings account

" I deposited two payroll checks from my employer, XXXX XXXX XXXX, into my Citi Bank account via mobile deposit. The details of these deposits are as follows : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XX/XX/year> : {$2700.00} Before depositing these checks, I confirmed with XXXX XXXX XXXX that the checks were valid. After depositing, Citi Bank unexpectedly closed my account without providing a clear explanation. 

I requested the following information from Citi Bank : The reason for the account closure. 
The status of the two depositswhether the funds were cleared, held, or returned to the issuing bank. 
A detailed written explanation regarding the handling of my payroll funds. 
To date, Citi Bank has not provided any of this information, and the funds from my payroll checks remain unaccounted for. This situation has caused significant financial and emotional distress as these were my wages, which are essential to support my household. 

I am seeking : A resolution for the missing funds, including the original amounts and any applicable interest. 
A clear and formal explanation of why my account was closed. 
Compensation for the financial and emotional harm caused by this situation. ''
Product: Debt collection

Today I was called on my cell phone twice by a woman named XXXX XXXX. This lady tells me she is calling me about a claim she wants to serve. I asked her what she was talking about and she said she just wanted to verify my address so she can come confront me. I hung up to call the police as I felt threatened. She then calls my job and tells my employee ( I 'm a XXXX XXXX ) that there is a claim that I have outstanding and she wants to verify the address. I called the number they left. They literally refused to give any information about themselves except to say they are XXXX XXXX. They flat out said they are not a collection agency. They refused an address ( physical or post office box ). They refused any information about corporate. They said XXXX is a " locator '' but they do n't know for which company. I finally figured out what the call is for. It 's a collection agency over a loan I forgot to pay on. I called the original creditor. They said all United Debt Holders ( a collection agency ) at XXXX. I called there. They stated that XXXX XXXX is in fact a collection agency. I advised them they violated the FDCPA and I 'm filing a complaint. 

I will pay this bill but I wo n't give out my financial details to someone who refuses to provide me any verifying details. I want them disciplined for their illegal actions. Then, I will pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Product: Vehicle loan or lease

GM Financial {$640.00} XX/XX/2020 due to corona virus, business closed, XXXX XXXX. want 3-6 months of payments put on back end of lease. 
All they offer is no late fees and no credit reporting XXXX and other companies are helping people with leases. 
They are only helping customers that purchase cars and trucks.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX. Equifax reports 2 late payments, XXXX reports 0 late payments, and XXXX reports 3 late payments. This account has NEVER been late. I have disputed it on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has not responded or even touched the account. They have not investigated. They are violating my rights. This needs to be updated to NEVER late. 

XXXX XXXXXXXX XXXX XXXXXXXX : Has not provided any validation of this debt. I have no clue what it is. I have no been given an itemized copy of anything. I requested validation on XX/XX/XXXX. They did not investigate account. I disputed again on XX/XX/XXXX. They STILL have not sent me anything showing what I owe. Besides violating my right to know what my debt is for, XXXX is reporting the account as open. The dates of last acctivity are years apart. the date open is inconsistent. Equifax doesnt have the original creditor listed. Delete this account now. 

XXXX : Both Equifax and XXXX have updated this account to never late. XXXX refuses to investigate. I disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX needs to update this account to NEVER LATE. This is the newest dispute to experian. " This item was UPDATED TO PAYS AS AGREED, NEVER LATE by Equifax and XXXX on XX/XX/XXXX due to it reporting inaccurately. You were to be notified yet you are still furnishing it. Please UPDATE TO PAYS AS AGREED, NEVER LATE. 'XXXX XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payment status reflects 30 days late with XXXX and XXXX when the account is paid in full. It reflects current with Equifax. The dates of last payment are wrong - Equifax reports XX/XX/XXXX, XXXX and XXXX report XX/XX/XXXX. XXXX and experian report XXXX as 30 days late, but current with Equifax. Equifax reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. Equifax reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately! 

XXXX XXXXXXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ITS HAS NOT BEEN TOUCHED. Equifax reports XX/XX/XXXX as 90 days late. XXXX and XXXX report it as current. XXXX and XXXX reports XXXX as 60 days late. Equifax reports XXXX as 30 days late. This account NEEDS to be updated to NEVER late. There have been consistent errors without anyone investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased items from XXXX. I returned them in three days. I charged them using a XXXX credit card. XXXX went me bill anyway and it was sent to the wrong address. They charged me late charges and stated that I owed $XXXX. I paid the alleged $XXXX and have not used the card since  I made the purchase in XX/XX/2019. They reported a late payment inXX/XX/2019. I had never received a bill because XXXX   had sent the incorrect invoice to the wrong address
Product: Checking or savings account

On XX/XX/XXXX my grandson opened a new accct at Chase Bank and deposited a XXXX check that I had given him for his high school graduation. Chase processed my check and pulled the XXXX from my checking account at XXXX XXXX ( money was pulled from my acct on XX/XX/XXXX ). Shortly after that my grandson went to use his acct and it had been closed for no reason. Chase could give him no reason for this but now they are saying that the reason was because of the check I gave him ... the federal reserve gave a negative response???? I have contacted the Federal Reserve personally and they say this is not true! They will not release the money to my grandson saying they need me to verify the check however they refuse to contact me or my bank... So basically Chase Bank is holding my XXXX and XXXX dollars that was given to him from my inlaws and refusing to release it. I was give this CFPB info from the Federal Reserve. They felt like you could help me.
Product: Debt collection

I'm behind on my Capital One credit card payments and they keep calling me even though I told them I'm trying. I just made a {$200.00} payment to them last week. Today, XX/XX/XXXX, they called me at XXXX XXXX on a Sunday morning while I was at church
Product: Credit reporting, credit repair services, or other personal consumer reports

I was fraudulent with my identity 7 years ago with this company Montgomery Ward I tried to dispute this off my credit report as inaccurate, no knowledge to this account, fraudulent for the amount of {$430.00} date opened on XXXX, XXXX, XXXX it's a charge off account with no payments for many years now its fraud I reached out many times to Montgomery Ward I got no answers no resolution nothing but a update on my credit report as accurate for XXXX XXXX, XXXX a new current date this is not my account it's fraudulent I need help to solve this manner its hurting my credit worthiness my life is on hold because of this action
Product: Checking or savings account

I hope this email reaches you under circumstances of understanding and empathy. I am reaching out to you as a desperate plea for assistance in a matter that has significantly impacted my life. I am an XXXX  XXXX  from XXXX, dedicated to building a better future for myself and my family in the United States. Unfortunately, on XX/XX/XXXX, I fell victim to wire transfer fraud, resulting in a loss of {$20000.00} from my Chase Bank account. 

Given my modest background, where my family of four sustains itself on an annual income of just {$5000.00}, the stolen amount represents not just a financial setback but a blow to our generational wealth. I am currently balancing the roles of a XXXX  and a full-time employee, striving to make ends meet and contribute positively to my community since XX/XX/XXXX. 

Immediately upon discovering the fraudulent transaction on XX/XX/XXXX, I reported the incident to Chase Bank in the hope of a prompt resolution. Unfortunately, my claim has been repeatedly denied, with Chase suggesting that I either authorized the transaction or somehow benefited from it. This assertion is entirely untrue and has left me feeling an overwhelming sense of injustice. 

The impact of this incident on my life is immeasurable, and I find it disheartening that my pleas for help have been ignored. I am aware that Chase Bank is a substantial financial institution with substantial profits, evident from its {$13.00} XXXX net profits last quarter. However, the {$20000.00} lost in this transaction is a life-altering amount for me and I have in no way benefited from this transaction. 

I understand that mistakes can happen, but I believe this particular incident could have been prevented. The routing number to which my money was transferred is flagged and banned, residing in XXXX XXXX. Major banks like Chase maintain logs of risky bank and routing numbers, and it is perplexing that this transaction was allowed to proceed. I firmly believe that Chase bears responsibility in this matter and should not dismiss my claim without a thorough investigation. 

Moreover, I want to emphasize my longstanding relationship with Chase. I have been a loyal client for over three years, using and entrusting your bank with my financial affairs. During this time, I have deposited more than {$400000.00} in salary into my Chase account. As a devoted customer, I believe that my case deserves a fair and thorough examination, and it is only just that my satisfaction is considered before closing this matter. 

I implore you to intervene and assist me in holding Chase Bank accountable for the negligence that has led to this significant loss. I kindly request your guidance and support in ensuring that justice is served, and I am rightfully compensated for the funds that were wrongfully taken from my account. I am hopeful that your intervention will lead to a fair resolution of this matter. 

Thank you for your time and consideration and please reach out to me for any proofs and validations.