23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Both my husband and I received credit cards we didnt apply for from a company called Chime. Because its an internet based company I am forced to communicate only my email. After repeatedly asking if someone applied for the cards I was instructed to file an identity theft report and send a copy of my drivers license to get the information about the account. The information I received still does not explain whether the applicant used my social security number or any personal information, nor do I know if they did an inquiry on my credit bureau. Having to communicate by email means I have to wait 3 days between each if my inquiries and their responses. This company is clearly not using due diligence in the granting of credit, nor are they being responsive to fraud claims when it takes weeks to get basic information. This is unacceptable!
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : JPMCB CARD Account number : XXXX
Product: Mortgage

NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX XXXX XXXX XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. 
In addition, NationStar Mortgage has repeatedly denied me help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause. 
Now NationStar Mortgage instructed and allowed the Foreclosure XXXX named XXXX XXXX XXXX XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, I hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar Mortgage refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.
Product: Credit reporting or other personal consumer reports

XXXX showed a late payment I have never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks
Product: Credit reporting or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block.inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( edta ) and regulation XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

On XX/XX/XXXX, both my mother and my sister received a call from a representative named XXXX XXXX saying that I had a pending case in XXXX XXXX. Then my mother shows me the number and calls back, so I talk to the representative and she says that it is because I owe Buffalo Lake lending and that they are planning to take me to small claims court over an old debt. They also threatened a judgement on my credit report. She went on to threaten garnishment of wages and said that me not paying would make them go to court and charge me with fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I've already successfully disputed 2 negative marks on my credit report by Synchrony bank. 

Now, they backed the Amazon credit card ( unbeknownst to me at the time ). 

Upon credit approval, they ( also not disclosed ) changed my default payment method. After that, they did not send me a card as they said they would a physical card. After that they accumulated charges and never sent me a statement at all by email or an email. 

When I went back to the supposed login page, it wouldn't load on a phone, a laptop, or a tablet. 



Please make them fix this and don't let them report anyone as missing a payment or subsequently as delinquent so they can try to collect on a debt. It appears trip clearly be a scam as a debt collector company. I found an address to pay mine this time, but they harassed me and ruined my credit and it took ten years to get more both overturned. 
ten years ago. 

Absolutely not just for me but for everyone who is unable to access their website or pay their bill in part because of the link that they provide in one email doesn't work. 

XXXX XXXX XXXX XXXX % XXXX % XXXX & XXXX & XXXX
Product: Debt collection

NATIONAL CREDIT ADJUSTMENT KEEPS TRYING TO COLLECT ON DEBT THAT IS PAST MY STATES STATUE OF LIMITATIONS ALSO THE WAY THEY REPORT MY FILE IS INACCURATE THEY SHOW MY BALANCE ON THIS ACCOUNT IS {$820.00} THEN SHOW I AM PAST DUE {$820.00} THAT MAKES MY CREDIT TO DEBT RATION REPORT INACCURATE AND ALSO ON XXXX  THE ACCOUNTS DATE OF LAST ACTIVITY SAYS XX/XX/2015 HOW CAN THAT BE IF THEY PURCHASED THIS ACCOUNT IN XX/XX/2015 HOW CAN THEY REPORT A DATE OF LAST ACTIVITY THAT EXIST BEFORE THEY PURCAHSE THE ACCOUNT? / PLEASE REMOVE
Product: Payday loan, title loan, or personal loan

I have a loan with American Credit Acceptance with the account number XXXXbut I was never late on making my payment. However, the 30 days late which was tagged in different months of 2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.
Product: Debt collection

I received notice from a place called Brittany and Gaines garnishing my wages. 
The legal document has my name on it. 
But the name and last known mailing address are not mine. 
I have never heard of XXXX XXXX XXXX and I have never ever lived at or even heard of the last known mailing address listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX. 
I do not know who or where that is. 
I have owned my home and lived there for more than 20 years and that is not nor has ever been my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX XXXX XXXX  end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. XXXX  refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.
Product: Credit reporting or other personal consumer reports

TransUnion violated my privacy by allowing third party companies to look at my credit report without my permission. In which allowed those companies to do Promotional inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXXXXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX, IN Balance {$720.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance {$26000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$8300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX inquiries XXXX Date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft. Use of social security number without authorization to obtain credit.
Product: Debt collection

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Debt collection

I notified reach financial to stop auto debiting money from my account but they still do so without my consent. Their action has created a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I have paid off the accounts on my collections and also received letters stating I paid them and was told that they would be taken off my report for almost a year I have tried to contact these companies on my credit report to have them removed but they are still on there.my XXXX  score for all XXXX reports have not changed at all, I have also disputed these accounts and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This about Equifax credit bureau. My credit score went up from XXXX to XXXX. This was on XX/XX/23 to XX/XX/23 because they removed collection off my account. Called their agent because my credit score should have went up to XXXX. On XXXX XXXX if collection is removed goes up to XXXXpts instead only went up to XXXX pts. Two days later they add collection back on my credit and score went down to XXXX and add my credit card account my score went down again at XXXX. They removed XXXX XXXX  XXXX XXXX off again my score went down again instead of going up. My score is at XXXX now called them no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - # 1 XXXX and the Acct # XXXX have violated my rights. XXXX5 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 an account without my written instructions So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ XXXX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, XXXX  date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, XXXX  date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

# 2 - XXXX XXXX  Acct # XXXX This is the only one reporting but XXXX and XXXX XXXX the account except for Experian so why are you reporting inaccurately? Because you guys haven't properly investigated for a matched date last active with other bureaus which is completely violated.

# 3 - XXXX  Acct # XXXX Why date last active is different dates shown as XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian please remove this because it is inaccurate. I've uploaded for proofs in the attached documents.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's imperative to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Some of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.
Product: Credit card or prepaid card

i never opened this acct it was fraud idenity theft and its affecting my credit score
Product: Credit reporting or other personal consumer reports

My Chase Amazon Prime Visa was removed from my credit report accidentally. Chase must submit a reinsertion form to each credit bureau including XXXX, XXXX, and XXXX. According to the FCRA, I have the right to remove or add any information that I want to my credit report. Please add the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact equifax through online and phone only to have them redirect me to the other. They have failed to provide report or discuss past disputes yet continue to report information to creditors that I am trying to dispute as inaccurate. They do send a code to access the report but after you put it in they tell you to call and then offer to mail another code. It has been run around after run around for month to no avail. The numbers are useless, the website is useless, and the mail is useless.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated the transfer of {$3000.00} from my Chase Bank checking account to my XXXX checking account, through the " Real-time '' delivery method. I have used this mechanism for transferring in the past ( for at least 2 years ) between the same 2 accounts. 
Transfer was not completed by XX/XX/XXXX, I called customer service from Chase bank, and they said I need to wait another day before they can start reviewing the possible issue. 
On XX/XX/XXXX, the transfer was not completed yet. I called Chase Customer Service, and spoke with several people from multiple departments, including Claims Department, Online Claims Department, Electronic Money Movement Dept, etc. One representative ( I believe from Online claims Dept ) finally acknowledged there was an issue with transfers between Chase Bank and XXXX due to an internal technical issue, and they were working to resolved it. Claim # XXXX was filled. I spoke with a supervisor ( I believe his name was XXXX XXXX, and he assured my the transfer was going to be completed by XX/XX/XXXX, after an additional XXXX business days. 
On XX/XX/XXXX I received a written communication from Chase regarding my claim stating : " We found that the transaction ( s ) was processed according to the information you provided or was authorized. ", however the funds transfer was not completed. I have called XXXX, and they informed me there are no funds being transferred to my account from Chase, and they dont have any information of a transfer. 
On XX/XX/XXXX the transfer was not completed. I called again Chase Bank, and spoke with Online Claims Dept. The representative ( I believe his name was XXXX XXXX, confirmed there is still a technical issue for transfers from Chase on that date ( XX/XX/XXXX ), and that there are multiple customers impacted. However there is no estimate date to resolved it. I demanded my money to be credited back to my Chase account until they resolve the issue, but the representative said he couldn't approve it. I spoke with his supervisor ( XXXX XXXX and he said they could not credit back my money, and I'll have to wait until they resolve the technical issue, but he doesnt know if it would take days, weeks, months or years. He suggested to call the Chase Executive office. 
On XX/XX/XXXX I called the Chase Executive Office, explained the case, and filed another case # XXXX. 
Today is XX/XX/XXXX, I haven't heard back from the Executive office or any of the Departments of Chase bank. My money has been debited from my Chase account ( {$3000.00} ), and not credited to my XXXX account, which is causing me to be late in payments, for which I'll require to pay late fees. This is unacceptable! I demand my money to be credited back to any of my accounts immediately, while they fix their technical issue ( which is not my fault ).
Product: Credit card

Date of Transaction Amount Merchant Name or Transaction Description Reason XX/XX/XXXX XXXXXXXX XXXX Reason from Chase : You confirmed through our investigation that this transaction is valid. 

I called them a bunch of times about this fraudulent charge that occurred 2 months ago. Someone stole my credit card info and was able to purchase XXXXXXXX XXXX and then XXXXXXXX XXXX + later and fortunately I was able to call chase and tell them this wasn't me that purchased it at all. I already contacted the company called XXXX that is a merchant for virtual gaming goods and told them about the issue. Back to chase I literally stated that I created an account months ago on the site itself to show that I WAS the person that got their info stolen. Chase fraud department doesn't seem to understand at all and they reissued the charged back onto my credit card??? That literally makes no sense and I've been calling them for more than 2 weeks now and they told me recently they have sent a review investigation and would contact me today at XX/XX/XXXX, but they never did? They even told me they were gon na place the charge on hold, but it's still on my chase account and it's gon na take money out of my bank like what? 

Statement from XXXX XXXX : Hello! My name is XXXX. I'm a customer care manager of the XXXX XXXX. Me and XXXX talked to you about that 2 months ago as I can see, at that time I have notified the XXXX and the only thing we can do from our side is tell you to do a chargeback since technically it was used from your account here. We don't really ask for billing addresses but XXXX gets checked by your bank if it is enabled really. Again I never once CONFIRMED or Validated the purchase made they automatically assumed it was me just cause of my card?? This is the worst security breach I've ever witness and seen how it was handled like really chase? 

Now when he said " used from my account '' he is stating that I made one prior to the investigation so I can be in contact with them. Apparently this is too hard for CHASE to figure out who is using my card. Also why is it that someone can just take your card number, exp, and 3 digit code in the back and be able to buy without problem? My XXXX XXXX has a fraud check before XXXXXXXX XXXX or whatever is accepted or denied? Chase doesn't have that and they sent my money through like anyone can use it? I've been waiting for over 2 months now and this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a XXXX XXXX XXXXXXXX credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX {$390.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX {$1700.00}