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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX BANK # XXXX Account Name : XXXX XXXX   XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I've had this bluebird account for years and as of late I've had alot of unauthorized us currently found out I was experiencing ID theft after a few months back I checked my XXXX XXXX  and saw things I'd never do or have hotel stays, XXXX which I don't even use and I disputed XXXX in XXXX money returned now it's happening again. Why and how is this possible for someone to hack into or use another identity and how can a client be protected as this is very difficult to figure out returning money, adding money, changing passwords nothing seems to stop the issue I did police report officer said that was good cause during you guys investigation u may come upon a name or any distinguished indepent features, tattoos etc.
Product: Debt collection

I received this letter on XX/XX/2021 from UNIFIN stating that I owe for a bill that I opened an account 15+ years ago. I feel this is a threating action from this company as I have had my credit dissolved and currently only owe for 2 items 1 credit card and 1 XXXX XXXX card. I contacted XXXX XXXX and they quickly responded to me by giving me your information and also to contact the Attorney General in California. It seems as though this company is opening passed credit history that has been closed. The bill they sent to me does not have a description of what the item is. I feel this is unfair since this has been cleared from my credit report. I love all that I have read that you do to help consumers. Thank you. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.
Product: Vehicle loan or lease

Im submitting a claim to you all about XXXX XXXX thats located in XXXX Indiana. I currently have a used XXXX XXXX XXXX I purchase from the used car lot, back in XXXX  I had the car for a few years. I keep up with the maintenance on my vehicle when it was needed. In XXXX  I had my XXXX XXXX so I figured I should XXXX back into the XXXX. So I travel a lot with my vehicle come XX/XX/XXXX, my family and I was traveling to the base for military duties, and after leaving XXXX XXXX for an oil change my vehicle Engine went completely out on the highway I feel embarrassed afraid and stressed out and Im still facing XXXX XXXXfrom traveling due to this incident. My husband and XXXX  XXXX  stay on the highway for 3 and a half hours waiting to get a tow. Once we made it home safely I XXXX a recall for my vehicle I found the engine for all XXXX was going out there was a major recall on them. I called to set an appointment for my car to be seen and get another Engine. Its been very challenging for us these past few months to get around. Today is XX/XX/XXXX, I havent got the new engine I have creditors calling me daily to pay my notes, however. I Suffer financially from our vehicle bed and I have them process it without it being repaired so I cant pay anything or anyone my husband does his best to pay for everything alone. Since I dont have transportation I send a letter to Capital one. Stating 15 U.S. Code 1692d - Harassment or abuse. I give them 10 days to respond by writing I still havent heard back from anyone. Ill like the car Repair to be removed from my credit also have my title and my down payments and notes I pay back in my hand for false information about the vehicle.The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

amount : {$8500.00} After finance amount : {$15000.00} Monthly : {$260.00}
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing job properly as it is affecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX. 
Hoping for your action and kind consideration on my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE SEVERAL REQUES TO EXPERIAN TO UPDATE MY FRAUD ALERT PHONE NUMBER ON MY CREDIT REPORT. DESPITE THE SEVERAL REQUESTS, THEY HAVE NOT DONE.  THEY WOULD SUBMIT A RESULT INVESTIGATION THAT HAS NOTHING TO DO WITH WHAT MY REQUEST. IT IS VERY FRUSTRATING!
Product: Debt collection

I received a debt collection from Professional Debt Mediation for {$310.00} by an electric company called XXXX XXXX XXXX on XX/XX/2022. Ive never opened an account with them, they are based in XXXX. Ive tried disputing this twice now. Ive filed a police report, Ive called the credit bureau multiple times, and the electric company wont do anything. It also came to another credit bureau called XXXX XXXX XXXX and it got cleared. I am wondering why the other credit bureau is not moving this process along.
Product: Debt collection

MIDLAND CREDIT MANAGEMEN Account number : XXXX Account type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX XXXX : {$1300.00} 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) ( a ) Reinvestigations of Disputed Information : Upon receiving a dispute, you are required to conduct a reasonable reinvestigation. If the information is found to be inaccurate or unverifiable, you must promptly delete or correct it. The incorrect reporting of these charge-offs fails to meet this requirement.

15 U.S.C. 1681e ( b ) ( Accuracy and Completeness of Information ) This section mandates that information reported to credit agencies must be accurate and complete. The reported charge-offs contain false information regarding the first delinquency, date of opening, last payment, and payment history, which violates this requirement.

15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ) ( a ) Duty to Report Accurately : Furnishers of information must provide accurate and complete information. The inaccuracies and unverifiable nature of these charge-offs violate this provision as the data reported does not reflect accurate account details. 
15 U.S.C. 1681c ( Information excluded from consumer reports ) This section outlines the types of information that should not be included in a credit report. If the reported charge-offs are unverifiable and inaccurate, they may be in violation of this section.

Due to these violations, I request the following actions : Immediate Removal : Delete the inaccurate and unverifiable charge-offs from my credit report. 
Written Confirmation : Provide written confirmation that these entries have been removed from my report and that my credit file has been updated accordingly. 
Correction of Any Errors : Ensure that all records are accurate and reflect the correct information.
Product: Credit card or prepaid card

NOT THAT ANYONE ACTUALLY READS THESE COMPLAINTS, BUT AMERICAN EXPRESS HAS ALWAYS BEEN DIFFICULT TO DO BUSINESS WITH AND CONSIDERING THEY ARE NOTHING BUT TROUBLE TO DO BUSINESS WITH : CLOSE MY ACCOUNT AND STICK THE CARDS UP THEIR XXXX. 

THIS COMPANY SUCKS AND SHOULD BE ALLOWED TO TREAT CUSTOMERS IN THE NASTY WAY THEY DO AND THEN EXPECT PAYMENT FOR SAID NASTY SERVICE AND TREATMENT! 


When I was given credit by American Express my physical address was on my application & account. American Express CHANGED my physical address using the Postal Service National Change of address update system to my PO Box on their own. I was forced to obtain a PO Box when my mail was stolen from my home address. 

The USPS requires several ID verifications before granting a PO Box , so my ID was confirmed along with my physical address per the Patriot Act. 

American Express restricted my credit account even after I called them on XX/XX/19, when they assured me my account was ready to use and my card was valid for purchases. 

I then went shopping later that very day and was declined because American Express in fact lied to me and had restricted my account because THEY CHANGED MY PHYSICAL ADDRESS on my account to my PO Box thru their use of the USPS address updating service.

Even after calling them yet again, American Express refuse to fix the problem and refused to unlock my account which apparently had been locked for MONTHS.

American Express and their credit reporting service Experian should be investigated by the Dept of Justice, FTC, Federal banking commission, and state regulators for deceptive and unfair business practices, along with discrimination against military customers & veterans for their targeting military customers for use of APO & PO Boxes.

Additionally since American Express owns and operates one of the largest credit reporting services, they are very much aware of my physical address which they use often and should have fixed my account months ago, but elected NOT too.
Product: Checking or savings account

On XX/XX/XXXX I purchased XXXX TVs from the retailer XXXX XXXX. They were set to be delivered the following Saturday XX/XX/XXXX. On XX/XX/XXXX only XXXX tv was delivered. It was an XXXX. Once we plugged the TV in we discovered there was no picture display. I immediately contacted XXXX XXXX and advised we are missing two TVs ( Driver advised only XXXX on his truck ) and the tv that was delivered is broken. XXXX XXXX scheduled a pick-up of the damaged TV on XX/XX/XXXX. The driver picked up the damaged TV but advised he did not have new one to replace it on his truck. At this point I grew frustrated and advised XXXX XXXX to issue a refund minus the XXXX XXXX inch tv we finally received XX/XX/XXXX. XXXX XXXX agreed. I was issued a refund receipt. The issue is the refund has not made it to my account and cash app refuses to fully investigate the dispute even though I provided my original purchase receipt AND the receipt showing XXXX clearly suppose to be refunded. I am writing this complaint for XXXX XXXX for delivering broken TVS and not providing replacements timely and cash app for not investigating this fully. My dispute is denied and when I ask for supporting documentation it simply says Im responsible because I swiped my card. What type of protection is that of ones hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EXPERIAN 1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY. 

For XXXX  1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX  XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY.
Product: Debt collection

Truist Bank XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted Truist Bank to let them know that I was not paying this account. Under Federal Law 15 USC 1692c they are required to remove this account from my credit report. They have not removed this account yet.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXXXXXX XXXX if you fail to comply with this request.
Product: Checking or savings account

My brother-in-law, XXXX XXXX XXXX, passed away on XX/XX/XXXX. I was named and accepted the responsibility of serving as Successor Trustee for the revocable trust XXXX set up for his XXXX XXXX surviving child, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust ). XXXX had a savings and checking account with Santander Bank set up under the name of the trust. I submitted a request for the funds as the successor trustee on XX/XX/XXXX. Santander Bank has refused me access to those funds saying that a prior trust account exists on their record. They have refused to provide me with any other information to help me straighten this out and have refused to provide me with any formal response regarding my request. I was told on XX/XX/XXXX that a written response from their legal team would be forthcoming but nothing has ever come. Their representative, XXXX XXXX, has provided no help or advice, has been unresponsive to requests for a formal written decision regarding the matter and has shown no concern for the fact that these monies are needed for the care of a now parentless XXXX XXXX  child. He has given me the run around time after time. This despite the fact that we agree on the following facts : 1. The accounts are titled XXXX XXXX XXXX XXXX XXXX XXXX. I am the legally established Successor Trustee for the XXXX XXXX XXXX XXXX Revocable Trust and have submitted all necessary documentation to support that 3. Although the checking account in question was set up in XXXX the savings account was set up in XXXX, after the existence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that their records show the existence of a prior trust in XXXX but will not provide any information regarding it. This is hard to believe as my sisters death in XXXX prompted the arrangement for a trust in the first place. Also, there is no one else connected to the family who could possibly be a successor. XXXX was estranged from his sister in Florida for many years and I know for a fact that his brother in California, my two sisters and brother are not named. There is no other related or interested party, period. Who Mr. XXXX intends to turn this money over to is a mystery to me and he refuses to help despite the needs of the surviving child.
Product: Mortgage

I am XXXX years old and I have been in review for a modification with XXXX since XX/XX/XXXX. My husband XXXX and I am a XXXX. I have my adult son helping me. Shellpoint has all documents they asked me for including but not limited to all of my income proof as well as my sons non borrower auth form and his income proof. For weeks I have been in active review even the XXXX and Deed are in my name. Now at the XXXX hour XXXX days prior to my sale date WHILE i am in active review, Shellpoint states I need to file documents in XXXX. I am XXXX years old why did n't Shellpoint tell me to do this in the beginning of XX/XX/XXXX. I would have done what they asked. Now XXXX days before the sale, while all along lying to me and stating that my review is active and the sale WILL postpone, they are asking me for the impossible and they are now refusing to postpone the sale. So if they needed probate documents from the beginning, they SHOULD have never accepted my package and lead me down the wrong path. I pray you help me I want to die in this home, I dont have much time left on this earth please do n't let my last experience be with this bank defrauding and lying to me to steal my home under false pretenses. XXXX BLESS YOU
Product: Credit card or prepaid card

Earlier today, I went to Citi 's website to close one of our credit card accounts. I was disappointed to see that " secure Message Center '' feature is not available, to communicate with Citi and have a secure environment to facilitate this. 

I proceeded to start a chat session. While chatting with the agent, I was kicked out of the session reporting inactivity detected.
Product: Credit card

I believe Bank of America is misapplying my credit card payments. I have a few balance transfers at promotional rates of XXXX  %. The purchases balance rate is at a higher XXXX %. 
In the " how we allocate payments '' section of my bill it states - " Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payments equal to your total minimum payment due to the lowest APR balances first ( including transactions made after this statement ) Payment Amounts in excess of your Total Minimum Payment Due will be applied to balances with higher aprs before balances with lower APRs. '' I believe that they have not been doing this and have been charging me interest on the higher balances as they have not been cleared off even though I have overpaid the amount that I can best calculate is remaining. 

There billing statement has a confusing and inaccurate summary on the bottom which further makes it difficult to see exactly what they are doing.
Product: Credit card or prepaid card

I am filing this complaint against Capital One Bank for taking adverse action against me damaging my credit worthiness after I made contact expressing hardship.
Product: Mortgage

The Owner/Servicer of my mortgage filed for a foreclosure AFTER the Statute of Limitations date. This entity does not have the right to foreclose after XX/XX/XXXX. It is also unclear which entity is attempting to conduct the foreclosure, the Owner or the Servicer. If the Servicer is the entity who called for this foreclosure, they must prove that they possess the Power of Attorney, as the mortgage owner 's Attorney in Fact. The Foreclosure Attorney has refused to reveal who called for this foreclosure. This lack of clarity indicates that there is uncertainty as to who is the owner of my mortgage and if they are able to produce the original note. If this foreclosure does take place, the conducting party MUST produce this original note on the date of the sale, as well as proof of Power of Attorney. On XX/XX/XXXX, Nationstar declared themselves the owner of my mortgage through an Assignment of Mortgage. At that time Nationstar also declared themselves as XXXX XXXX 's Attorney in Fact. However, they provided no proof that they possess a Power of Attorney for XXXX XXXX. 
On XX/XX/XXXX, Nationstar assigned my mortgage back to XXXX XXXX. In doing so, a fraudulent address of the Assignee/Owner of my mortgage is recorded for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX   moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XX/XX/XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.
Product: Debt collection

National Credit Systems amount is {$1500.00} and I have sent National Credit Systems a debt validation and National Credit Systems has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters asking XXXX to send me written verification from debt collection XXXX XXXX XXXX, I have not received. Also, XXXX is reporting is collection as an open account which is not under FCRA compliance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), 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 reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I XXXX with this company XXXX times in the past, on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Every attempt to fix this situation has gone undone. This company keeps sending back results stating " verified '' yet its still inaacuries that appear month after month after month. This company is in violation of XXXX XXXX XXXX ( XXXX ) ( A ). I asked that this company remove the following accounts from my file immediately. See attached Evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name showing on report XXXX XXXX