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

About two months ago I received an email that my credit score had changed. I do n't check my credit frequently, since I rarely use credit cards, but I had a check run back in XXXX for approval on an apartment, and it was fine then. So I logged into XXXX XXXX and saw my score had dropped about 100 points, because of a high number of credit cards. There were three cards listed I did not recognize at all, for credit cards that had run up late payments, were terminated by creditor, or were cancelled by user. I believe these cards were opened illegally under my name, without my knowledge or consent. One of the banks was in Delaware - I have never even been to Delaware! I figured this was an identity theft issue, so I contacted XXXX XXXX and received nothing except they could n't do anything about it, as they are not a credit company, just a provider of credit scores. I then tried to contact XXXX and Transunion directly, but they told me my answers to the security questions to access my account were all incorrect. And would n't tell me why, or how. They asked me thing about my past loans - I 've never taken out a loan! Do n't know how my answers could have been wrong. So THEN I looked at the names of the " banks '' who issued these cards, namely, the one in Delaware. I called them directly, and they could not give me any information as to how or why a card could have been issued under my name. They said I had to fax - not email, call or anything else - a claim to a specific number of a specific department, not to their " bank '' itself. Since then I checked to see if the claim I filed with XXXX XXXX  did anything - no. I have received no updates, no results on my claim that I filed, and my credit score is still low for reasons I can not explain.
Product: Credit reporting or other personal consumer reports

A loan was taken out in my name. and I was took advantage of the lender doesn't match up with the inquiry on my report there is no inquiry with the name of American Acceptance LLC. I have filled a identity theft complaint this was a unlawful sale tactic I was swindle
Product: Debt collection

Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

PHOENIX FINANCIAL SERV # XXXX
Product: Debt collection

On XX/XX/XXXX I contacted the company with the VA to notify them that this is a billing issue. I am 100 % service connected XXXX with the Army and the VA would pay this bill is the bill were submitted properly thru the VA. This company has been persistent, has harassed my family, ruined my credit report and never notified me they would proceed forward with issuing this debt that I do not owe on my credit report. The patient advocate XXXX at the VA has repeatedly given this company protocol for getting this debt paid by the VA. They told her they would remove this from my credit report but have instead persisted with destroying my credit because their client improperly billed. There were several venues for payment including XXXX before sending this debt to collections.
Product: Credit reporting or other personal consumer reports

I recently contacted the credit bureau in reference to fraudulent items being reported on my credit report, accounts and addressed.
Product: Debt collection

On XX/XX/XXXX, I was taking care of some personal business at my credit union and I had a few missed calls. One on the calls had said " Debt Collector '' with no phone number listed. Out of curiosity I pushed the button on my XXXX and there was a lady that answer the phone. When she answered she said is this XXXX XXXX and I said no, this is XXXX XXXX. She stated that she was calling to collect a debt and I told her I don't owe anyone so you have you can't be referring to me I pay my bills. 

She then said, " You owe XXXXXXXX XXXX XXXXXXXX {$230.00} and I wan na know what you want to do with this bill ''. I told her I have not been to XXXX XXXX XXXX. She said we have had this bill since XX/XX/XXXXand I wan na know how you want to pay it. I said, XX/XX/XXXX are you kidding me, first of all I need you to send me a copy of this bill so I can see what it is I am supposed to be paying for. She said we already mailed you a copy twice. I stated I have not received any bills from XXXX XXXX XXXX. She then got nasty stating, " You have a good day '' and hung up the phone. 

I then called back to get information regarding who this company was and she hung up the phone. I then called back about 5 minutes later to find out who this company was and a male person answered the phone and when I told him what happened he hung up on me as well. Neither of them EVER stated the name of the business nor were they professional in ANY way... answering the phone with a simple " Hello ''. I was unable to find the name of the company even through a XXXX search. 

However, on XX/XX/XXXX I received an email from XX/XX/XXXX that there had been a change to my credit report and they suggested I log in to view the change. Then on XX/XX/XXXX I received an additional alert from Experian and XXXX XXXX as well. I logged in on today XX/XX/XXXX because I received an alert email from XXXX as well. When I logged in I notice that there has been a collection account added to my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN for {$230.00} and there is an N/A under the business type. I want this information removed from my credit report immediately and this inquiry conducted in a business matter by sending me a bill so that I can either confirm or deny that this is my bill and get the chance to dispute it as I requested, Whoever this person is that is handling this account I want them removed from it and another who has some business ethics and professionalism so that I can get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I requested that the following account be verified or removed immediately. 

Name of Account Account Number Verification JPMCB CARD XXXX Validate Account JPMCB CARD XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX XXXX Validate Account The credit bureaus response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report. 
15USC. 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: Money transfer, virtual currency, or money service

My cashapp account was compromised on XXXX XXXX, in the amounts of Exact amount of the payment : {$500.00}, {$250.00}, {$550.00} & {$150.00} totaling {$1400.00}. I contacted cashapp the did an investigation concluded that the account was compromised and the dispute team would reach out to me. Never happened so I contacted cashapp support back they told me my case was closed because they didnt hear from me. Same things keeps happening. Im getting the run around on them returning my money. Ive contacted my bank theres no way for them to speak or reach cashapp so they advise I contact cashapp to have funds returned. They closed the old account that the funds came out of and instructed me to make a new one.
Product: Debt collection

I got behind on my car loan. I tried to make payments on their website and they refused to accept debit card, credit card or personal checks. I had to go through XXXX XXXX. After I called and told them I would try and make weekly payments to get current in my loan, they started calling me, my sister, my parents and my sister- in-law. I called and asked that they only contact me at my cell phone number and not to harass my family with phone calls. Per my sister they are calling multiple times a day. They call me numerous times a day. In 2 days I had 21 phone calls from them. 

I have been trying to get out of debt and I have been working with them and paying through XXXX as they have required. XXXX through XXXX is not always open due to short-staffing at XXXX. But, I have been trying. I was woken up this morning to my car being repossessed. I called Ally Auto while they were taking my car and the operator was very rude to me on the phone saying I cant drive a car for free for 118 days. I just made a payment 2 weeks ago and was going to make another payment tomorrow. 

They have been nothing but rude, aggressive, and treating me like a dead beat lowlife, because I got behind on payments. I am currently working on paying them back and I could have been current if I didnt have to hunt down a XXXX that was open for business. 

But as I explained to them over the phone last week the constant harassing phone calls have affected my mental health and has affected how my family members treat me because they ( Ally Auto ) let them know I was in collections for not paying my car payment. I have tried to work with them on getting current and they told me my car was no longer in danger of being repossessed and then repossessed it anyway.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Please find the relevant documents attached for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report inaccurate information concerning a property I once occupied. I have attempted to resolve this misinformation with the company and its agents, however I have been met with total disregard, dismissive and threatening language suggesting they will continue the assault on my credit until I pay the outrageous unjustified amount of money that I do not owe. I have contacted the property manager who was also the manager when I lived there, I was told I dont have a remaining balance due, I also reached out to the Property Management Company who reported there are no current nor past debts with my name, unit number or Social Security number. I have and continue to suffer from homeless insecurities because of this inaccurate reporting. I need help fighting this company that seems to enjoy being malicious and playing god with the lives of others. I believe there are others and if they have suffered the emotional pain and constant fear of object homelessness I suffer from this company, something needs to change. Their perceived power needs to be met with enforcement of our government protection agencies. Im helpless against them.
Product: Checking or savings account

On XX/XX/22 my JPMorgan Chase account was scammed and the bank refuses to refund the money. Chase imposters scammed me via my online account for {$3300.00} via a wire transfer. I realized it was a scam, I immediately contacted the bank and advised. No action was taken to stop the wire transfer. I went into the bank and they froze my account and I filed a police report. 

After the claim was denied by JPMorgan Chase on XX/XX/22 I was advised to reach out to the wire transfer department to recall the funds. They made several attempts by sending an electronic request to the other bank, which we have the name and the account holder 's name. Chase bank advised that the other institution, XXXX XXXX did not respond to their request to return stolen money, and both institutions do not appear concerned about the theft. Chase bank 's response was for me to contact the other bank, knowing they will not service me since I am not an account holder. Upon calling, that is exactly what I was told by XXXX XXXX, they can not not assist me. 

Here we have XXXX institutions with fraudulent money being transferred between them and there is no recourse for the consumer. This is unlawful and they are getting away with it, the institutions take no responsibility. Appears to be something for law enforcement to look into more. I attempted to find out what law enforcement does, and it appears they don't get involved with the bank, I just need to file a complaint with them so it's on file, but nobody wants the police report now that I have it. 
I'm not the only person that has been a victim of scammers, so there is a lot of money being filtered through a lot of banks and no one is doing anything to stop it. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, XXXX  and Experian but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Principle and Interest payments are {$940.00}. They reported the following $ ND XX/XX/XXXX {$1500.00} XX/XX/XXXX{$990.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$1500.00} XX/XX/XXXX {$5300.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXXNot reported XX/XX/XXXX {$1200.00} XX/XX/XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XX/XX/XXXX forXX/XX/XXXX, reported late XX/XX/XXXXfor XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.
Product: Credit reporting, credit repair services, 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/XXXXXXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Product: Credit card or prepaid card

On my Bloomingdales/AMEX card, back In XX/XX/XXXX I filed a dispute against a merchant ( XXXX XXXX ) for overcharging, not receiving the comps they promised to give due to an INCIDENT ( major injury ) that occurred on there property. In any event the charge was for {$840.00}. As Im well aware as the consumer, Im protected by the Federal Credit Act & Federal Trade Commission regulations which have put into place a 90 day window for a merchant to respond. On XX/XX/XXXX, I received both a letter in mail & email saying I WAS FULLY CREDITED in the amount of {$840.00}. Meaning the 90 days was OVER! Then 3 weeks later I receive yet another letter & email now saying that the credit has been reversed, due to the merchant now replying. For one the credit card company should have protected me & should have been well AWARE of these FEDERAL REGULATIONS, in addition to responding to the merchant by advising them that its been well over the length of time to submit any documents. And now with accrued interest & late fees my total is {$930.00}. Which Im fighting every XXXX to be credited bc I paid off the entire balance of {$4100.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

On XX/XX/2017, we purchased a home from a new home builder, Dreamfinder, in XXXX, TX. The builder, Dreamfinder, had a preferred lender they associated themselves with, and part of their promotion was that the lender, PrimeLending, would pay the first 3 months worth of Taxes, HOA, and Home Insurance. We shopped around with different lenders and found a lender that offered a less expensive interest rate at that time. We had a lender that was quoting us half a point less than the Builder 's Preferred Lender. The company, PrimeLending, said that because they were associated with the Home Builder as the Preferred Lender, they would be able to beat that deal and offer me the promotion of first 3 months of Taxes, HOA, and Home Insurance paid for me as part of the closing costs. When the Tax Bill came out at the end of XX/XX/2017, the Tax amount due was substantially higher than when what was pro-rated when we closed on the home. In other words, at closing, we received a tiny Tax Prorated credit of {$770.00} instead of the actual 3-month tax that was {$3900.00}. That's a difference of {$3100.00} that I had to pay out of my pocket. I have gone to the Loan Officer for over 6 months now, and they are not responding to my requests and keep telling me they are " looking into it. '' I am hoping your Organization may be able to assist me in this matter.

I appreciate your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1692g, you are required to investigate and correct any inaccuracies on my credit report. I kindly request that you perform a thorough investigation into these items and make the necessary corrections. 

Please send me written confirmation once the inaccuracies have been resolved and my credit report has been updated. I would appreciate your prompt attention to this matter, as these errors are negatively affecting my credit score and overall financial health. 

ACCOUNTS : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$330.00}
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX and I started an account in coinbase onXX/XX/XXXXwhere I bought XXXX $ worth ETH and later transferred XXXX $ to XXXX to buy some more ETH. However, in the mean while I bought some more ETH through coinbase worth XXXX $ assuming that this would be deducted from the XXXX that I transferred earlier. Later I have realized that this XXXX $ was transferred on top of the XXXX $ as my bank account was showing negative balance. In order to restore this I tried logging in to coinbase through my personal laptop and since that moment it was locked. Amidst all this confusion I saw around XXXX $ charge on my credit card being used to buy ETH, which I did not authorize and so I had to block the transaction by notifying this to the respective bank. I tried reaching out to the coinbase customer support ( which is stupendously slow ) and waited for around an hour only to hear the automated voice asking me to call back. The online support system is useless in its own way and I am currently in a helpless situation as to what exactly is happening with the money that I have transferred and did any of my transactions go trough.
Product: Mortgage

Good evening, I am in the process of applying for Standalone Partial Claim with my mortgage company due to COVID. I was told by Shellpoint that I do not qualify for this because of a missed payment in XXXX That payment was NEVER missed, Shellpoint said I did not owe for the month of XXXX. I have been trying to get my account into investigations since XXXX, and I have written documentation since XXXX the escalation department refuses to respond. They continuously show lack of professionalism. On XX/XX/XXXX that will be 60 days they have not responded to claim. I really need them to investigate my account and listen to every single phone call I made to show that it was an error of their part, and that I did not miss the XXXX payment, and they continuously told me I did not owe. 
I need them to do this so I can qualify for the Standalone Partial Claim and not loose my house. I will be attaching documentation proving that the escalation is failing to fix my account. Please help me!
Product: Payday loan

I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 

I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude
Product: Mortgage

We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo.
Product: Checking or savings account

Have a monthly HIPPS payment I get from PA treasury. I have been mobile depositing check for this monthly for months now. With Chime mobile banking. Now magically they rejected the check 2 days in a row. I called HIPPS program they said nothing. Wrong with check. I asked for a supervisor at Chime bank they are overseas couldn't provide me with a supervisor in USA they stated. Couldn't let me speak to check department either.