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

I had a payment arrangement set for a business credit card that is personally guaranteed. Card ending in XXXX. I got a new bank account because the business transitioned from an LLC to a Corporation. Because the arrangement was set for the other account, I tried to transfer money into the other account but Chase 's account wouldn't link to the new bank account. I called to let someone know to try to change the payment account and was told there was nothing I could do. Two days later, the business card was reported to my personal credit report as 60 days late. The payment would not have been late if I had been allowed to change the payment. I talked to several people and explained the situation because this inability to link the new accounts in Chase 's system cause almost a decade of good payment history on my credit report to go to waste because Chase wouldn't take the payment. Going forward, I started transferring the money from the correct account to the old one when I was finally able to connect the accounts a week later. Then one day, the payment was returned from that account even though the money was there. I called Chase to figure out the problem. They stated that the LLC 's bank account was set to be closed because when it was opened, the banker that opened it, failed to put the correct member information into the account profile. I never received a letter or any notification that this was happening. They simply froze the account and wouldn't allow me to make a payment to the credit card AGAIN. Twice, I tried to make payments and Chase 's system would do things without notifying me and causing me additional issues. Luckily, I had made another payment to the card so the card didn't have another late but it would have because Chase blocked the account with no notification. When I contacted them, I was told I needed to go into a branch to fix what the banker didn't do. The nearest branch is over 100 miles away. I tried to reach the banker, XXXX, to ask him to talk to the XXXX team to fix this and he no longer works for Chase. So not only did he XXXX up my account, he was no longer there to fix it. I never received any information as to the account closure. No notifications. No letters. No nothing. I want this fixed. The card is current and would have never been 60 days late had I been able to change the bank account to the new one. And Chase almost XXXX me again on this card, by arbitrary closure of an account because it didn't specify Member-Managed LLC in the profile and giving me little to no options to fix the issue. Chase ruined the perfect payment history because of repeated system issues.
Product: Credit reporting or other personal consumer reports

I am invoicing Caine & Weiner for many violations and damages cause by them reporting negatively on my consumer report and trying to collect a debt from me when they had no rights to the debt. Caine & Weiner gave away my private information to many reporting agencies even when they didn't have rights to the debt to begin with. They have caused damage on my consumer report and financial hardship due to many denials I received due to the adding of the negative reporting 's of Caine & Weiner. Caine & Weiner did at least remove account once I made a complaint but I'm requesting the civil liabilities due to violating my federally protected consumer rights, violating the UCC, and also causing damages and contributing to my financial hardship. I have proof of everything and I'm just asking for {$7500.00} to resolve this matter. If we can't come to fair civil liability resolution, then I fully intend on pursuing Arbitration or Litigation to resolve this issue, and I will present all the evidence I have against Caine & Weiner and will be asking for a larger amount by actually adding in every violation for months Caine & Weiner committed by giving out my private information they wasn't entitled to, to many reporting agencies.
Product: Credit reporting or other personal consumer reports

These are the inaccurate accounts XXXX XXXX XXXX Last reported XX/XX/year> {$340.00} XXXX XXXX XXXX, Last reported XX/XX/year> {$120.00}
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX I made a transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX  account via Western Union to my XXXX Account in XXXX for a medical emergency and got a confirmation that they money will made made available on the XX/XX/XXXX.While this transfer was being processed and pending and initiated a second transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX via Western Union to my XXXX account on the XX/XX/XXXX for the same medical reasons and I got a confirmation to receive the money on the XX/XX/XXXX.
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On the XX/XX/XXXX, I got and email from Western Union that my first transfer is cancelled and I called to know the reason and they could not give me any reason. All I was told was " the web department is closed '' and that my money will be refunded back into my account. Because of the bridge of contract on my first transfer without any reason, I asked for the second to be cancelled and refunded back so that I can use other means to address my medical emergency. They only processed the first transfer and I can not access the money for the second transfer even though it has left my account and I still ca n't use get it back. The customer services personnel told me different things that does not make sense and at this time I am in between not having the money they already took from my bank account and facing a huge financial dilemma due to pressing need to provide the fund abroad.
Product: Vehicle loan or lease

I XXXX XXXX purchased a XXXX XXXX XXXX. On XX/XX/XXXX I financed it through XXXX XXXX I made all payments on time. On XX/XX/XXXX I refinanced this loan with Bank of America. Made all Payments on time.In early XX/XX/XXXX, My car was stolen and then recovered. It was a total loss, I continued making payments though out this process. The payoff check from the insurance was processed XXXX XXXX. Which left a balance of XXXX on the acc. 
After this I heard nothing from BOA and could access the current Balance on my Online mobile banking. So XXXX 's Payment went though, XXXX 's payment went though, and XXXX 's payment went through. My Payment Date for this loan is XXXX of each month. So then on XXXX XXXX I get a notification that a Charge off was placed on my Credit files with all Three Bureaus from BOA. Stating that {$210.00} was charged off??? and isn't due till XXXX XXXX which would be my last payment. This is crazy I Made all Payments. 
I Spoke with XXXX XXXX and she was not helpful, and for a week I got no repose. Then they fabricated a whole Story about how i was suppose to Pay off that Balance of {$850.00} with in 60days, then they said i had no GAP which I do.. when I said had " no notice '' of this arbitrary 60 policy, she stated they wouldn't remove it. Even though they were auto-debting the acc every month. Bank Of america is blatantly trying to save face and not fixing this false Charge off. I am inclosing a full payment history which shows on time payments. I had to get a print out from the a bank Employee because they where told not to give to it to me, But Lucky there own employee saw how wrong they where treating me and printed it off for me anyway.The cover up of this false Charge OFF is sicking!! ACC of this loan as it was deleted off my online Banking for this reason. But i have the evidence. My Previous Credit Score Was XXXX This Damaged my Score over 75 points. All of this for no reason!! And they refuse to fix it. 
And also the XXXX XXXX Lady had the audacity to try and collect the {$210.00} that never should of been charged off in the first and still not fix the charge off on my credit!!!! I will Pursue legal Action If this isn't fixed. And to think all these idiots had to do was wait till the auto-debt on the XXXX of XXXX the payment would be done!!! even on the credit report the BOA states Charge Off Never Late How smart is that? Again This XXXX lady couldn't answer why the charge off was placed on my acc even though they still where getting payment.
Product: Debt collection

XX/XX/2023 at XXXX XXXX  call from XXXX XXXX XXXX XXXX for a North Carolina turnpike toll in the amount of {$45.00} with the acct # XXXX. They didnt have the date, time nor road number to validate the bill. Ive never been on a toll road in North Carolina. I told them my phone number is on the do not call.gov list.
Product: Debt collection

On XX/XX/XXXX, I received a response from NCA via the CFPB consumer complaint portal. Mr. XXXX XXXX XXXX, XXXX. who I presume represents this company, completely ignored my concerns about this company trying to collect on a debt that isn't owed. Mr. XXXX states, " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. 

Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately. 

This agreement, according to documentation provided by NCA was originated on XX/XX/XXXX. An entire 40 days past six ( 6 ) years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

***THERE WAS A TYPO IN PREVIOUSLY SUBMITTED CASE : XXXX : IN GOOD FAITH, I AM RE-SUBMITTING THE CASE. THESE ARE NOT NEW ISSUES FROM THE PREVIOUSLY SUBMITTED CASE. *** Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, altered its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did NOT receive an installment loan from Flagship with payment terms of 1 month. XXXX : I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered the account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report, XXXX XXXX XXXX and proof of my identity to Experian to Block Fraudulent Information reporting on my credit report pursuant to FCRA Section XXXX. Experian has REFUSED and FAILED to block this information and informed me via telephone that the creditors have " verified '' these accounts as mine. This is impossible! I would like this Fraudulent information Blocked from my credit report pursuant to federal law.
Product: Credit card or prepaid card

ON XX/XX/XXXX I contacted customer service to inquire about my bill. I received my bill and it showed the fee that was charged for negotiating one of their offers. The issue I found was that they charged me 24.24 % for this transaction. I wrote a check to myself so that I could pay multiple bills that I had. The check I used was for the promotion that they offered for 1.99 % until XXXX. Offer ID XXXX. The gentleman I spoke to indicated that my letter indicated that the check could not be written to myself. I explained to him that my letter did not indicate that. I offered to fax him a copy of my letter but he said to go to a local branch. A couple of days late r I went to the XXXX XXXX and spoke to XXXX and he called on my behalf. He looked over the paperwork I gave him and could not find anywhere on that letter anything stating what they had told me. I told him that I felt it was deceptive and they made no attempts to appease me in any way. I told them that I was going to return the check and that I would like my fees removed. The offfer that they gave me is not what I wanted.
Product: Debt collection

Hello, I received numerous phone calls from this company ( GB Collects ). I asked them to please stop calling me at work. I wasn't sure what they were calling me about because I thought I had paid everything I owed. I then received a letter with my name and the name of an unidentified person. This person ( XXXX XXXX XXXX ) is unknown to me and has never lived at my address. I don't know if they are contacting this person at my address or why my name is even associated with them. I'm also concerned that this person is receiving information with my name associated with it. I consider this a great violation of my privacy. 

As soon as I called them back and inquired about this error, they gave me the phone number of the worker responsible. I called this person and left two messages. Neither was returned.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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

Ive frozen my credit report with XXXX and XXXX with no problem. Trying to accomplish a freeze with Equifax has become impossible. I cant contact a human even though I used the human contact phone number given to me by Equifax. Internet and phone yield no results. The robotic/internet advice given by Equifax doesnt work. I keep being informed that a freeze can not be activated at this time. I have excellent credit but are concerned about access to my information by criminals. Why is it difficult or impossible to freeze information that I dont need, dont want, have never had a need for and have never given permission to be collected.
Product: Mortgage

I AM A SINGLE WOMAN AFFECTED BY COVID. 

I HAVE BEEN TRYING TO PAY OFF A MORTGAGE SINCE XX/XX/XXXX. 

SHELLPOINT MORTGAGE SERVICING PROVIDED PAY OFF FIGURES TO ME ON XX/XX/XXXX. THE PAYOFF FOR MY LOAN IS {$170000.00} THE FUNDS TO PAY OFF THIS MORTGAGE ARE FROM AN ALL CASH BUYER WHO IS PURCHASING MY PROPERTY. TOTAL AMOUNT OF THE SALE IS {$190000.00}. THIS AMOUNT CLEARLY IS SUFFICIENT TO PAY THE MORTGAGE IN FULL. THE BUYER IS READY, WILLING, AND ABLE TO PAY OFF THIS LOAN IMMEDIATELY. 

TO DATE, SHELLPOINT MORTGAGE SERVICING HAS BEEN UNWILLING TO PROVIDE THE NECESSARY INFORMATION TO THE CLOSING ATTORNEY/TITLE COMPANY IN ORDER THAT THE LOAN CAN BE PAID OFF. 

BECAUSE OF XXXXXXXX XXXX INACTION, I AM AT RISK OF LOSING THE BUYER WHO WILL NOT WAIT FOREVER. ADDITIONALLY, SHELLPOINT IS CHARGING ME INTEREST FOR EVERY DAY. 

APPARENTLY SHELLPOINT MORTGAGE SERVICING NEVER TRANSFERRED OR RECORDED THE TITLE/DEED FROM THE ORIGINAL LENDER. ACCORDING TO COUNTY RECORDS, THE MORTGAGE LEIN IS WITH THE ORIGINAL LENDER WITH WHOM I OBTAINED THE ORIGINAL LOAN. THIS LOAN WAS SUBSEQUENTLY TAKEN OVER BY SHELLPOINT MORTGAGE SERVICING. 

WE HAVE EMAILED, SPOKEN TO, AND LEFT MANY MESSAGES FOR OUR DESIGNATED CONTACT AT XXXX. I HAVE EMAILED THE CEO, THE CEO OF SERVICING, THE COO, AND THE CORPORATE ATTORNEY OF SHELLPOINT. 
TO DATE, I HAVE RECEIVED NO RESPONSE. 

NO ONE AT XXXX IS WILLING TO HELP ME RESOLVE THIS PROBLEM. 

SIMPLY PUT, XXXX MADE A MISTAKE WHEN THEY TOOK OVER THE LOAN. BECAUSE OF THEIR MISTAKE NO TITLE COMPANY WILL RECORD A NEW SALE BECAUSE THE DEED SHOWS A DIFFERENT LENDER. 

SHELLPOINT CAN CORRECT THIS PROBLEM EASILY AND QUICKLY. SHELLPOINT IS THE ONLY ENTITY THAT CAN CORRECT THE PROBLEM. 

I HAVE CALLED SHELLPOINT EVERY BUSINESS DAY SINCE XX/XX/XXXX. I WAS TOLD ON XXXX DIFFERENT OCCASIONS THAT A SUPERVISOR WOULD CALL ME BACK. TO DATE, XX/XX/XXXX I HAVE RECEIVED NO ACTION FROM SHELLPOINT. NOR A RETURN CALL FROM A SUPERVISOR. 

I AM DESPERATE TO FINALIZE THIS SALE AS I NEED THE MONEY AND I NEED TO GET OUT FROM UNDER THIS DEBT. 

PLEASE HELP ME. 

MY DESIGNATED CONTACT AT SHELLPOINT MORTGAGE SERVICING IS : XXXX XXXX. XXXX
Product: Credit card

When filling out information to purchase plane tickets online, an offer for an XXXX XXXX Visa Signature Credit Card was made available to me. I signed up for the card and was approved immediately and then the card was used to pay for the plane tickets as intended. When the card finally arrived a couple weeks later and the bonuses that I expected to see were different than what was offered to me when signing up for the card, I became suspicious. I received a different card than the one promoted to me without anything in the terms and conditions saying that they can do that and without any prompting to me to have my decision on if I want to accept this other card instead of the one that I signed up for and believed that I was being approved for and having the tickets charged to. I tried to work things out with the service numbers provided by the card but to no avail.
Product: Credit reporting

I filed a complaint with the reporting agencies stating that the Public Record Information was inaccurate. It is my understanding according to Public Record law and dictionary definition that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. I approached the Bankruptcy court where the case was initiated and the Bankruptcy Court has confirmed that they did not verify by documentation. Although I received proof that the reporting agencies did NOT " verify '' from the origin, the credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Debt collection

i disputed the account XXXX XXXX XXXX account number XXXX back in XXXX it was removed With report number XXXX on XXXX XXXX  and it was reinserted onto my account late XXXX i disputed the account again and it came back verified i was not notified about the reinsertion within XXXX  days of it reappearing violating my consumer rights via 15 U.S Code 1681i ( 5 ) ii i have been looking for a house and this account has damaged my report rendering me of being accepted i need this account removed immediately i attached my attorney general complaint and the reinsertion letter i sent to XXXX  please help me
Product: Credit reporting

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX, XXXX, and Transunion, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.