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

XXXX XXXX XXXX C/N : *XXXX REF : XXXX Statement of Explanation On XX/XX/2019 Ive managed to order online a black jacket on XXXX XXXX website online and my AmEx Biz Plat *XXXX was charged the amount of {$700.00}. Package was delivered to my home address which is the same as my billing address on file XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY, XXXX. However, instead of a brand-new jacket I was serviced with severely navy blue worn jacket by XXXX XXXX in a partially torn box. 

Ive immediately addressed the issue to the XXXX XXXX customer support and kindly requested to return the jacket back to the merchant facility. Representative issued and sent to my email a prepaid XXXX shipping label with a tracking number XXXX. The package has been successfully returned on XX/XX/2019 back to XXXX XXXX XXXX, IL and Ive got a confirmation email stating that the return was accepted and I should expect a refund issued back to the account within next 3-5 business days. However, the refund was never issued and Ive ended up filing a billing inquiry with AmEx. 

Turns out XXXX XXXX, without any prior update nor contact, tried to ship the package back to me with XXXX tracking XXXX, however instead of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY,XXXX  they tried to ship it to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  , NY , XXXX, which is never been associated with me. Due to that fact, package was refused and returned back to the merchant in XXXX XXXX XXXX, IL, since no one associated with this name resided at this addressed. 

Under Fair Credit Billing Act, Section 166, Im kindly asking CFPB to request American Express to issue back to my account the amount of {$700.00} and consider the matter closed, since the return was completed. Please, see attached documents. 

Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information.

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. This information has nothing to do with any transactions I've made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2017, XXXX XXXX  negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX  XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit card

I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this time.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

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

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 any purpose.
Product: Credit reporting

XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.
Product: Vehicle loan or lease

XXXX  months ago i changed banks and put all the information for Hyundai motor to take my monthly payments, however there was a problem because the money went through than days later it did not go through according to Hyundai. since than i been on the phone communicating with customer service and been paying XXXX every week for the last month to pay XXXX month and my current month since i was only XXXX month ( XXXX ) behind. Now that i speak to Hyundai they are telling me i still owe for last month ... Can some please help me as i feel im helpless and might not keep paying them!! 

P.s every time i asked to speak to a manger customer service refuse or hang up which i believe is against my consumers rights and they sent information to my credit which is not accurate saying im in delinquency.
Product: Checking or savings account

I found out this morning that a trusted friend has split my income tax refund and have half sent to a US Bank XXXX account ending in XXXX. The IRS has requested a paper check but due to the refund being sent by direct deposit on XX/XX/22, they can not guarantee that it can be cancelled. I contacted US Bank to find out why are they accepting refunds if the person 's name is not on the account. I have been told they do not do a name check. US Bank unethical practice is why this person chose this bank. The IRS site stated that if the name does not match, it should be rejected but US shady business practices is enabling these fraudsters to defraud US taxpayers out of their hard earn money!
Product: Debt collection

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All XXXX credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.
Product: Mortgage

Improper Credit of Payments during Bankruptcy : We filed Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX and our mortgage company was XXXX XXXX XXXX. The servicing transferred to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/XXXX. We made all payments to the Trustee, who subsequently made all mortgage payments directly to the lender. Our case was discharged on XXXX/XXXX/XXXX. As part of the Notice of Final Cure, the Bankruptcy Trustee stated the SLS claim was paid in full. In response to the Notice of Final Cure on XXXX/XXXX/XXXX, the XXXX Attorney stated the pre-petition arrears have been cured and the post-petition payment in the amount of {$4700.00} was delinquent. We paid the {$4700.00} amount and are current on our loan serviced by SLS. Even though we complied with the Final Cure and paid the delinquent payments, SLS is stating we are behind on our payments. 
No Notification Regarding Payment after Discharge from Bankruptcy : SLS sent no notification to make payment after our BK discharge ( XXXX/XXXX/XXXX ). Also, we could not access our loan information on line until XXXX/XXXX/XXXX. We made several calls to SLS and were even told not to make a payment until they reviewed our loan. We did not know when our next payment was due. Our second mortgage, XXXX, sent us a letter indicating the amount of payment and place to make the payment. All payments were made timely to XXXX and XXXX did an excellent job keeping us informed. Despite many attempts to obtain accurate information from SLS, it became clear there was no one competent at SLS to answer our questions regarding the amount and due date of the payment. 
Incorrect Pay History : This error has resulted in inaccurate amounts added to our loan, such as interest and late fees. We received a verification of mortgage on XXXX/XXXX/XXXX which is also in error. 
Improper Credit Reporting : We applied for a loan with XXXX XXXX and were denied due to SLS showing we are currently delinquent on our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA had an account appear on my credit bureau as zero/closed on a fraud account. Then they sent in removal of such account to the 3 bureaus. Now 2 days ago they reversed this and placed this account back on my reports. Legally this account will have to be removed in 2 months + 2 days from today even if they dont get this resolved. I have tried to call them and get this taken care of but they keep passing me from department to department. So, even if I dispute this and that takes 30 days by the time the dispute comes back we are down to 30 days left before it has to be removed under the law. They are not playing fair, they are ruining my financial picture over a fraud account they know is fraud and was removed.
Product: Mortgage

I had a mortgage account with StoneGate Mortgage # XXXX for a rental property at XXXX XXXX XXXX - XXXX, IL XXXX which was set up on auto payment. Our mailing/statement address was our office at XXXX XXXX XXXX XXXX, IL XXXX StoneGate had our correct email address, office and mobile phone numbers. Yesterday I noticed the auto payments stopped in XXXX 2016 for the mortgage payments. When I called StoneGate to find out why I learned my loan was transferred in XXXX to XXXX # XXXX and that as of today XXXX XXXX we owed 4 months worth of payments. I made the payments today, but very concerned my credit will now be negatively affected for this. Neither company informed us of the change by mail, email or phone. Not sure of our rights, but does not seem right. Thanks for your help.
Product: Vehicle loan or lease

I was recently contacted by the company claiming that I owed {$24000.00}, However, I feel that I have been defrauded. The amount I was told originally was {$290.00} and after I had the car, the amount changed and I told them that I was not happy with the amount. They would not tell me my APR. They kept asking me to sign documents and I was not comfortable. I did not receive any documents in the mail or by email regarding any bill. I have contacted them twice requesting documenation, and have not received a response. 

They since have taken the car as a repossession a few days after they claim it was due without my knowledge. I received a bill of {$24000.00} that I do not feel responsible because I have been trying to give it back since I did not sign anything because I was not provided or disclosed an APR and I was promised one amount and told another after I had possession of the vehicle. I was lied to about how much I would pay. I was also given a damaged car and was promised that it would be fixed I am XXXX and have a learners permit. multiple times and I was called in to sign multiple documents. I was not contacted regarding payment of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute to Experian with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims to be a collection agency reporting a collection account on my TransUnion credit report. On XX/XX/2020, using their address as shown on my XX/XX/2020 credit report ( please see attached screenshot ), I sent a certified letter to XXXX XXXX requesting validation of their reported collection account ( please see attachments ). Since that mailing, Ive received notice from the USPS ( please see attached ) that my letter was undeliverable because the forwarding order for this address is no longer valid. XXXX  XXXX  incorrect reporting of their contact information has illegally prevented me from pursuing my legal rights under the FDCPA to obtain validation of the debt they are negatively reporting against me. 

Further, TransUnion is complicit with XXXX XXXX in violating my legal rights. TransUnion is reporting to have verified this debt on XX/XX/2020 ( please see attached screenshot from my XX/XX/2020 credit report ). It seems 1 ) they did not actually investigate this debt and opted to fraudulently report it as verified, and 2 ) they violated my rights under the FCRA by reporting inaccurate information on my credit report, thus preventing receipt by XXXX XXXX of my request for validation.
Product: Debt collection

On XX/XX/2020, I got a loan with XXXX company. Because I need the money to pay some bills, then my work hours was reduced from 37.5 to 20 hours maximum. They attempted to collect money from my chase account for a amount of {$240.00}, more of I was told they told me {$200.00}. On XX/XX/2020, I received a email from my Job payroll department about XXXX XXXX in the amount of {$1700.00} and we are XXXX. This amount is to high for what I was told {$1100.00}. Also they say is XXXX garnished my paycheck but I search the number and the agency collector is Apex Servicing Debt Collectors. They Garnished my paycheck on XX/XX/2121, for {$220.00}, without my concern, without a court order, or any legal actions. They never contacted me either mail, email, cellphone or any other. My company provided me with a phone number to call which is the following XXXX but no response yet no one answers the phone, I search the number ending in XXXX and I found the following link https : //apexservicing.com/ and a complaint from the Washington State Department of Financial Institutions For Consumers and Employers that we would like to share for your information. The following company apex servicing  is being using some type of scan to contact not only me but others people employers and malicious garnished they paycheck. This article from the Washington State Department of Financial Institutions ( DFI ) can be found at XXXX XXXX XXXX I pay child support for my XXXX kids, I behind my rent, I behind my car loan payment I really need my money I dont saying I dont want to pay my debt but the amount is to high also getting in to my personal space like going to my employer directly without talk to me first.
Product: Debt collection

XXXX contacted me at work, after I have repeatedly told them to not. I have been assured that my file is updated with information that states I am not to be contacted at my place of employment, but I received a call at my place of employment this morning.