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

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 


Account info Account name XXXX FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  account. {$1.00}, 036 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2027
Product: Prepaid card

On XX/XX/XXXX Money Network posted payments I received under the state of New Jerseys Family Leave Insurance, a total of {$12000.00}. Since then I have tried to complete external bank transfers to my bank accounts. I continue to receive errors on both the mobile app and website stating Invalid Request when trying to transfer available funds to external bank accounts. I was successful XXXX time in transferring {$10.00} to an external account on XX/XX/XXXX, and have yet to be able to transfer any other funds since. I have tried transferring different amounts and to different accounts at different banks. I called into customer service on XX/XX/XXXX and the initial representative told me it was a problem with my external bank and to try doing it through the website. She also said that the routing and account number would be on the website. The second representative I spoke to on XX/XX/XXXX clarified that the account with money network is a prepaid card and does not have an account or routing number. She also saw the numerous transfer requests I made but stated that there was no error code available to determine why the transfers were failing. Money Networks recommendation to get the funds were to either go to an ATM or ask for a cash advance at my bank. This results in many issues 1. I dont have a bank with a branch to conduct a cash advance 2. I should not be subject to potential fees because Money Networks operational and technical errors 3. I would need to go to an ATM or check cashing service 22 separate times to access my full available funds due to daily withdrawal limits, which would potentially result in being charged fees 22 times just to access my money. The second representative did file a complaint with Money Network on my behalf but was unable to provide a resolution on being able to complete an external bank transfer.
Product: Credit card or prepaid card

I have been an Amazon customer for many years. In order to get additional points you are required to use their credit card. I had and used Chase CC because that was what was required. 

I managed to accumulate more than {$1500.00} in points. When I reached {$1000.00} they offered to send the money to me however I didn't want the funds to get used for other purposes and I had something I wanted to purchase when it reached {$2000.00} so I said no. 

Chase Bank seemed to have endless security breaches. I was getting many " customer fraud department calls. Dept does not exist however I had to get a new card on more than one occasion because of a compromised account. We have 3 other credit cards and while at the time they didn't get used like our Chase account we have never had these problems with other cards. It is a nuisance to change account numbers. We had many charges go directly to the account and it took months to undo the mess every time we had to change accounts. 

We had another breach last spring ( date? ) and I had had enough and I told them to close the account and send me my reward money.j The agent I spoke with told me I had to get the money from Amazon. If indeed they record their calls, which they say they do, this should be verifiable. 

I spent MONTHS trying to get through to Amazon reward dept,. I keep getting " system down being worked on, ( not the exact verbiage ). I was sent from one customer service person to another. I do have some correspondence from Amazon where they told me if I didn't get resolution from Chase to call them back. I did and endless agents later was told I had to reopen a Chase account. I did and when the account was established I tried to recover my rewards again and was told I the time had elapsed and I had lost the money Back to Amazon, endless customer service people again only to be told they could not help me. I confess I gave up but I just can't let it go. This is a lot of money to me and I feel I was cheated out of the money. 

Any help you could give me would be appreciated. 

Thank you
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report with no explanation. I always review my report, and theres never been an issue until now. I tried refreshing the browser, thinking it might just be a temporary error, but unfortunately, the mistakes remained. Im requesting a thorough review of the documents Ive submitted to prevent this from happening again so I can stop worrying about my credit.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of th notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$57000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$5100.00}, XXXX Balance : {$21000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX : {$57000.00} XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$24000.00}, XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$44000.00}, XXXX XXXXXXXX Balance : {$21000.00}, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$57000.00}, XXXX XXXX XXXX XXXX : {$5100.00}, XXXX XXXX Balance XXXX {$21000.00}, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, DEPT OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
I do not owe any outstanding balance to this alleged debt.
Product: Bank account or service

On XX/XX/2016, I opened a new Citibank saving account in a branch with $ XXXX. Because, I was told that if I bring new money to Citibank, I 'll get some free bonus - {$400.00} - So, I get better returns that what I 'm getting in my other bank. I have contacted the bank in person ( the branch that the account was open ) and never available, online and phone - they are not able help. The bonus have not been deposited and per online and phone representative, the account was not setup for that. They are asking for a promotion code. I honestly did n't know about promotion code or something like that. I just opened an account to get the bonus. Citibank is not clear with the advertising, they do n't say ask for code and keep, and the teammebers are not being train to open this accounts. It 's clear that they made a mistake in the setup.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act! XXXX Account has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out a secured credit card with XXXX XXXX a while ago, and as sometimes happens, I struggled to keep up with payments. As a result, the account went to collections. Since then, Ive been actively working on improving my credit, with the hope that I can buy a home for my family and get us out of the beat up XXXX  we're living in. 

In XX/XX/year>, I called XXXX XXXX to settle the account, intending to pay off the balance and close the issue. However, when I called, I was told that my account was on hold and that I should call back in XXXX days for an update. I followed that advice, only to be told the same thing again : that the account was still on hold and that I should call back in another XXXX days. Since XXXX, Ive continued to call at least once a week, trying to get a resolution, but Ive only been met with more delays and no clear answers. Every time I request to be escalated to a manager or speak with someone in collections, Im told Ill be contacted soon, but no one has reached out. 

The ongoing uncertainty and lack of communication have left me in a situation where my familys well-being is at risk. My daughter deserves a safe, stable home, but we cant make that happen until this collection is resolved. Ive been stuck in a cycle of calls that lead nowhere, and it's been frustrating. I am doing everything I can to fix my mistakes and give my family the home they deserve, but XXXX XXXX lack of resolution is keeping me from being able to move forward. 

Im reaching out now, more than ever, for your help. I need to have this collection removed from my credit report so I can finally secure a mortgage and give my wife and daughter the life they deserve. I cant keep living in these conditions, and I cant keep waiting for answers that never come. This issue has gone on long enough, and I am asking you to please intervene and help me resolve it as soon as possible. 

Thank you for understanding the urgency of this situation and for your time. I look forward to your assistance in getting this matter taken care of so that my family can finally find peace and stability.
Product: Mortgage

On or about XXXX XXXX, 2016, we applied for a mortgage with PNC Mortgage for the purchase of a condominium in XXXX, PA. Previously, we had been pre-approved by PNC. PNC knew from the very beginning of the application process that we were purchasing a condominium. We obtained a locked in, fixed rate of 3.75 %. We received numerous documents during the process reflecting that same locked in, fixed rate. The agreement called for a closing date of XXXX XXXX, 2016, time being of the essence. On or about XXXX XXXX, 2016 -- one week before closing -- we were informed by telephone that our interest rate had increased from 3.75 % to 3.875 %. The person who phoned - XXXX XXXX - was not aware of the reason for the increase. When we inquired of the loan officer, XXXX XXXX, we were advised that the underwriters ( who are employees of PNC ) determined that our condominium was " unwarrantable '' because of a slip and fall claim against the Condo Association, this despite the fact that PNC was aware and had confirmed that the Condo Association had coverage of XXXX for the claim. We were never advised, orally or in writing, at the time of application or any time throughout the process, that our so-called locked in, fixed interest rate was subject to increase. The loan officer stated to us that he realized the claim would never reach the condo owners, but it was the decision of the underwriters. He alluded to the fact that this happened often with condominums. Yet, he never felt the need to warn us ahead of time that this was a possibility. It was represented to us by his manager that he is a very experienced loan officer. Therefore, we believe he should have known and should have warned us at the start of the process. 
The explanation and justification of the condo being " unwarrantable '' is dubious at best, and deceptive at worst. We believe it was a convenient way for PNC to increase our interest rate and monthly payment. Although the payment increased by only {$26.00} per month, over the course of the 15 year loan, that would add up to {$4700.00}. Because of the delay caused by our need to process this information, we had to ask the Sellers for a delay in the closing. Fortunately, we were able to close on XXXX XXXX, 2016. 
We believe we are entitled to a reduction in the interest rate to 3.75 % and a refund of {$26.00} per month until this matter is resolved.
Product: Debt collection

XXXX XXXX XXXX voluntarily stopped treating my lawn but continued to bill me for months of services that they never rendered and they changed the terms of the verbal contract with the sales agent. They also, reported it to American Profit Recovery ( Due process was never provided by this company. They never contacted me about this debt ) and they reported this debt to collections on my credit report. 

I have contacted XXXX XXXX XXXX  and reported to them that their technician voluntarily stopped treating my lawn and asked that they review their trip report to verify this but they refused and the manager refused to speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER CREDANCE RESOURCE MANAGEMENT FOR XXXX XXXX Original creditor : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES
Product: Credit reporting or other personal consumer reports

Wrong addresses not updated, all old addresses need to be cleared. 
old bankruptcy, need to be cleared all charged off accounts old need to be clear hospital bills should not be on the account,
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 807 ( 8 ) This is a law the companies are required to contact the credit bureaus on my behalf, and to make sure they add a sentence to my credit report within 30 days that says I have disputed the negative item in question. By law, they must do it within 30 days and they will be liable to me for damages of up to {$1000.00} per occurrence. I have proof that XXXX XXXX did not get in touch with Credit Bureaus within 30 days that I had disputed a negative item that they provided on my credit file. Experian knows they should have deleted this entry after I had contacted them about this negative item on my report. They also had 30 days to provide the statement that I, the consumer had disputed this negative item to them as well. The problem is that Experian is still trying to re-investigate this situation when they know they should delete the item from my credit report because XXXX XXXX has broken the FDCPA law. This dispute was reported in the month of XXXX 2017 and now it is XX/XX/XXXX but in XX/XX/XXXX is when Experian wants to provide the statement that I disputed this negative item on my report. It 's too late to provide this statement because it 's been after the 30 days time frame. They do n't need to re-investigate anything, just remove the negative from my credit report file. The XXXX XXXX and XXXX have removed this negative it from my credit report because of the 30 days time frame. I have proof that both Experian and XXXX XXXX XXXX have broken the FDCPA law.
Product: Credit card

I had a Bloomingdales charge card since XX/XX/XXXX. They never sent statements or alert via email or mail. In XX/XX/XXXX, I had a balance of {$11.00}. Bloomingdales still did not send me alert via email or mail and quietly charge me late fees. When I found out this issue in months, the total balance has reached almost {$200.00}. I called Bloomingdales to resolve this problem. I offered to pay the original balance {$11.00} but they insisted that I paid all fees. I believe this is not my problem. If they had alerted me via email or mail, I would have paid off that {$11.00}. All other credit cards I use send regular reminders via email or mail to alert customers about pending balance. I believe Bloomingdales ' insufficient service caused this late fee and thus should be removed.
Product: Debt collection

A few years ago LVNV and I met in a court and the case was dismissed in my favor, and the court also stated that I did not owe LVNV any money. Nevertheless, LVNV has being continuing reporting to XXXX that I owe them money when in fact I do not. LVNV is filing false and fraudulent statements with XXXX. LVNV in the last 3 years has received over 400 complaints with the XXXX XXXX XXXX  for attempting to collect money when they have no legal standing. LVNV lost a {>= $1,000,000} class action law suit in the state of Maryland for the same fraudulent practices. I have already filed several complaints with XXXX in an effort to stop LVNV. I gusess my next step will be to contact my congressman to seek resolution.