23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I got into a car accident in XXXX of XXXX and had filed an insurance claim. I had notified XXXX of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Product: Checking or savings account

On or about XX/XX/2023 I received notification from AmEx National Bank that an unknown individual fraudulently tried to withdraw {$13000.00} from my Rewards Checking account. The fraudulent transaction was initiated via ACH and seems to have originated from XXXX XXXX. The transaction failed as I did not have sufficient funds in my account at the time. 

I immediately called AmEx National Bank to inform them this was a fraudulent transaction. The representative told me there was nothing I could do about it until the following morning since the team that handles fraud only worked on weekends at noon. This in itself is extremely concerning and shows AmEx supports fraud, their security measures are an joke and their staff exceptionally incompetent. 

The next morning I called and their so-called fraud team told me that the e-mail was sent in error and my account was secure. I believe the staff member is a liar only trying to wither cover up his incompetence or somehow complicit in the fraud. For the past several days I have had severe security issues with my American Express credit cards and on my American Express credit card there were XXXX attempts to fraudulently charge exactly {$13000.00}. I would be an extreme coincidence that an attempt for exactly the same amount on my checking account was just a bank error. 

Nonetheless, the fraud team refused my request to change my account number and issue a new debit card. They then connected me with their normal customer service staff. 

I again explained the issue with the customer service staff and hey agreed something needed to be done. They got the fraud team on the line again. The fraud team representative told me that if he closed my account it would be very likely the system would not allow opening a new account. He also told me that if the normal customer service staff closed my account, I would have to wait a few days before I could open a new one and even then there is a distinct possibility I would not be allowed to open a new account. This is exceptionally unacceptable. I believe the fraud team member is extremely incompetent and possibly even complicit in the attempted fraud. Further, it seems American Express themselves for offering to the public such an incompetent and fraud-prone account product.
Product: Mortgage

On XX/XX/XXXX I came off my forbearance plan with Mr Cooper mortgage in which I made all of my payments on at the end. My husband got a new job due to Covid and his pay date is now once a month and paid on the XXXX of each month. The problem we were left with was the due date is the XXXX ( 6-7 days before my husbands check ) each month. I discussed this with forbearance department and we discussed options like modification and putting the amount at end of loan as I junior lien, or a payback plan for what was needed etc,, I was transferred to someone in forbearance department whose name was XXXX who told me about a new option Mr Cooper was offering customers that just started. She said I was able to make my monthly payment at any time throughout the month for the next 12 months and not receive any late fees. I said that was wonderful and would be a great solution for me and I already started paying more to put in suspense/unapplied funds to total the monthly amount due and could just continue doing that over the next year or until I reach a full extra payment since the due date can not be changed to jump ahead. I made my payment in XXXX, XXXX and XXXX only to find a late fee on my account in XXXX. When I called MR Cooper to question the late fees, I was told there is no such assistance available and I was told incorrect information. A escalation department pulled the call and verified what I am saying was accurate but is not holding to what I was told by MR Cooper on that call XXXX. This is not acceptable as I had monthly budgets surrounding over paying monthly t o reach one full payment in suspense /unapplied funds account to jump ahead a month to pay by the XXXX. This is not fair treatment to me as a customer especially on a FHA loan. I need better assistance and accountability from Mr Cooper to assist after being told false information and late fees charged by the mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On yesterday XX/XX/2022 I called XXXX  XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of numerous attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 Balance :  {$0.00} XXXX XXXX XXXX Balance :  {$0.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed the validity of this alleged debt. I have not now nor have I ever been in contract with JEFFERSON CAPITAL SYST. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking JEFFERSON CAPITAL SYST to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand JEFFERSON CAPITAL SYST to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so
Product: Debt collection

I am XXXX  XXXXt that was XXXX  with the XXXX  XXXX XXXX with a XXXX XXXX XXXX XXXX I reached out to my complex, XXXX XXXX in XXXX, Ga which is apart of XXXXXXXX XXXX to sign my lease over they never sent any paperwork or moved forward I then reached continuously trying to just get out of the lease ( by law I can do that because I had a XXXX XXXX ). You would think they would help me in this process but they continuously ignored me. I would have more screenshots off of resident portal app but they no longer use the app. The management sucks, they have ample complaints and hasnt had any in the office for over a year. Procollect in XXXX, TX has wrote me and Ive wrote them back plenty of times throughout the year. Ive explained the situation and Ive called, the lady i recently spoke to was nasty and had an attitude, Ive reached out to both parties. This is wrong and this is illegal. Its a shame I have to go through all of this while fighting for my life and trying to XXXX XXXX you would think they would have some kind of sympathy, grace. If the shoe was on the other foot what would they do? This is a shame and illegal. Procollect gave me a email to send my proof too but they blocked it to where my message wont send.
Product: Credit reporting

In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.
Product: Credit reporting or other personal consumer reports

I have a problem with Experian and the other credit bureaus. They are not updating my current credit information for XXXX. I called and asked them to check with my XXXX XXXX XXXX and Nordstroms account which they have marked as late. They were not late and I have the statements and are both paid off. I have the statements to prove it. 

I also have a car loan with XXXX  and other credit cards which have not been updated with the correct amount owed in XXXX.
Product: Debt collection

I was notified of a collection on my account for {$640.00} from Midland Credit Management. I am unaware of this debt and I have never received any debt notification or right to dispute. Midland Credit Management has been told by CFPB not to contact me a couple years back for harassing me and calling my work for another separate debt they claimed I owed but didnt two years ago and now they are starting the process again.
Product: Credit reporting or other personal consumer reports

according 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I want all negative account remove see all my attachments they are committed fraud in my credit there n law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law or criminal law, or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Credit card or prepaid card

On XX/XX/23 I while checking out from deltas website to buy a ticket I was presented an offer to sign up for an Amex Delta Sky credit card with a promotional offer of {$300.00} in stmt credit once a purchase is made, I proceed with application submitted and got no respond or an email with an answer, Im the pre application disclosure it states if approved I would received an instant XXXX credit to XXXX XXXX purchase instantly I never received it and I was approved install with a credit line of XXXX when contacted Amex they stated it was Deltas issue for advertising that way and they couldnt issue me the temp credit so I could use, if I would had know that I wasnt able to use the card to purchase that ticket I would had not applied as I had a different method of payment for this I only applied because of the offer that was made to me at checkout neither company delta or Amex wants to take ownership for this issue even when it clearly stated on the disclosure before applying I have a screenshot of this it clearly explain what are the terms to get the promotion I followed the steps and did not received the temporary credit so I could purchase the ticket now forcing me to go and spend more with delta in order the get the XXXX XXXX credit I spent over 3 hours on the phone trying to sort this out with sell delta and Amex. Also American Express never sent me an email to state wether my card got approved or not or any pre disclosures for me to ready when I asked they said I should had gotten one and that they didnt know why and could not re send it
Product: Checking or savings account

I was told that when I opened my account I would received {$200.00} bonus. An I never received it
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that appear to be the result of identity theft, as I did not authorize these accounts. I've raised this issue previously, and I urgently request that these accounts be promptly removed from my report. Their presence is causing significant stress as they do not reflect my true credit history or financial habits. Dealing with this situation has been challenging, and if it can not be resolved, I am prepared to pursue legal action to safeguard my rights and seek a resolution. 

These erroneous entries on my credit report are having a profound impact on me. They are hindering my ability to achieve important financial milestones such as purchasing a home and supporting my family. I sincerely hope that we can resolve this matter expeditiously.
Product: Debt collection

Mid South Adjustment XX/XX/XXXX I received a call telling me that I needed to pay 33 % or my debt to avoid further action of debt collection. She statedy last payment was XX/XX/XXXX of {$10.00} and I asked if she realized it was still XXXX. She said yes. I needed to make a payment of that 33 % and set up a payment arrangement to avoid action. I told her she can not accept money from me and take action until she declines it and to have a nice day. The have never called me until my balance hit {$100.00}. 
My payments are as follows. Two accounts. 
Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$18.00} = {$95.00} - XX/XX/XXXX - {$10.00} = {$85.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} = {$55.00} Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} The company does not provide receipts, statements, or new bills. I called and asked. I was told to keep up with it until the balance was paid in full. This was XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX  3.0 Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



15-year fixed from XXXX  XXXX  by XXXX  XXXX Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The XXXX  XXXX  Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!!
Product: Credit card or prepaid card

My prepaid XXXX XXXX gift card was depleted of all its funds ( {$75.00} ) when I went to check the balance on a fraudulent website, pretending to XXXX actual balance checking site. I contacted XXXX directly to see if they could resolve, and although they opened a ticket, I havent received an update since my initial communication with them despite reaching back out several times. My case is XXXX. Please advise - any help would be greatly appreciated. Warm regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of inquiry XX/XX/2020
Product: Debt collection

THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XXXX XXXX as reported by CHRYSLER CAPITAL with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to CHRYSLER CAPITAL XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : CHRYSLER CAPITAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Curo XXXX XXXX managed to place 2 hard inquires on my XXXX credit report. I do not know of Curo XXXX, nor have I ever contacted them for any kind of loan. Contact information for this supposed company is not made available on XXXX XXXX or the internet.
Product: Vehicle loan or lease

Ally bank is contacting people in my family who have no connection to my address or phone number. Ally is contacting them by phone and with robo calls, multiple times, which is unlawful/illegal. I have been in touch with an attorney to remedy this situation but if Ally resolves this issue immediately, it would be most helpful. 

The Ally website Pay Online option does not work much of the time and the website is often shut down for repairs at night. They call many times each day. I have already paid well over the original cost of my vehicle and loan but they are a predatory lender and refuse to refinance.