23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received numerous alerts from XXXX XXXX regarding a debit to collect account on all three credit reporting agencies. However, I never applied or knew anything about this account in XXXX of XXXX. The debit collection company is Genesis Credit Management dba Columbia Debt Recovery. They have two account numbers with the same amount owed ( {$220.00} ) by this person who used my ID to apply at XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, NJ in XXXX. I have proof that I was already in a committed lease in Ohio from XXXX to XXXX and IL from XXXX to the present during the same time this crime was committed in XXXX. 

For the record, I have never applied for an apartment at this organization ever in my life. The owed charges from XXXX XXXX were sent to their management company ( XXXX ), and then to Genesis Credit Management / Columbia Debt Recovery. I have called XXXX plus Genesis Credit Management / Columbia Debt Recovery to resolve this issue regarding the incorrect information. Both organizations told me to file a police report, take a photocopy of my ID with a notary present and stamped, and file a dispute with FTC. Everything has been done. The police report will be sent to me within 5 -7 business days. In the meantime, the officer said that you can directly call them to verify before the report is completed. All contact information will be on scanned documents.
Product: Payday loan, title loan, or personal loan

I am trying to connect my Pnc account to my XXXX app but Pnc isnt letting the connection to complete
Product: Mortgage

I was contacted by Shellpoint to provide proof of insurance for my mortgaged property for the period between XX/XX/2024, and XX/XX/2024. I was informed that failure to provide this information would result in the mortgage company purchasing XXXX XXXX XXXX ( LPI ). 

I have provided the requested information several times, both online and through physical mail, and I also filed a complaint under 12 CFR 1024.35. 

There was always full coverage, and the documentation was provided on time. Nevertheless, Shellpoint/Newrez refuses to admit their mistake and insists that they had to place XXXX. 

Attached documents show the full coverage for above mentioned timeframe.
Product: Credit reporting or other personal consumer reports

I identified inaccuracies on my credit report that appear to conflict with 15 USC 16c-2. This information is incorrect and adversely impacting my creditworthiness.
Product: Checking or savings account

On XX/XX/2020, I upgraded my Chase Total Checking account to a Chase Sapphire Checking account in-branch, using a coupon ( Code : XXXX XXXX XXXX XXXX ) which offered a promo bonus of {$1000.00} after depositing {$75000.00} into the account and maintaining it for 90 days. Per the coupon, another way to maintain the {$75000.00} aside from directly in the checking account is to open a Chase You Invest Brokerage account, link it to the Sapphire Checking account and transfer the funds there. A linked You Invest Brokerage account fulfills any balance requirements of the Sapphire Checking account, meaning the Sapphire account can be XXXX with no fees as long as the linked You Invest account has the {$75000.00} balance ( I have attached a secure message from Chase confirming this ). On or around XX/XX/2020 I noticed that my Chase Sapphire account was no longer showing when I logged into my account. I messaged in and was told that it was closed ( no explanation given ) and I was no longer eligible for the {$1000.00} bonus ( which I should have already received, since it had been over 90 days since I deposited the {$75000.00} ). No one at Chase has been able to explain why my Sapphire Checking account was closed, but their assumption is that it was automatically closed since there had been no activity and a XXXX balance since I transferred the {$75000.00} from that account to my linked You Invest Brokerage account. I tried to explain that having a linked You Invest account negated the need for any balance in the XXXX XXXX account ( which their own secure message team, as well as the fine print on the offer coupon, confirm ), to no avail. 

Now the bankers I've been speaking with are also alleging that the fine print says that while a linked You Invest account does fulfill the promo, it must be a You Invest account opened and managed by a Chase banker. This is NOT what the fine print on the coupon ( also attached here ) says. The fine print says " Eligible Accounts : personal checking, savings and/or J.P. Morgan investment accounts ( You Invest Brokerage and accounts opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor or Financial Advisor ). '' This section in the parenthesis referring to accounts opened in branch and serviced by a Chase banker is referring to " all other investment account ASIDE from You Invest accounts, not including them. If it was including You Invest accounts, the fine print would have included " You Invest accounts opened by the individual '' in their list of ineligible accounts, which it does NOT : " Ineligible Accounts : any J.P. Morgan retirement accounts ( such as Traditional and Roth IRAs, Keoghs, SEP and SIMPLE IRAs, and 401 ( k ) plans ) ; CDs ; insurance products ; fixed and variable annuities ; J.P. Morgan Fund Accounts ; 529 College Savings Plans. '' I have friends who have completed this bonus exactly as I have, and they have successfully received their {$1000.00} bonus with no issues. I'm not sure why Chase closed my Sapphire account and is refusing to honor the bonus in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, Transunion, XXXX. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXL XXXX XXXX XXXX XXXX A XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

18. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

The scammers instructed me to transfer {$20000.00} on XX/XX/year>, and {$50000.00} on XX/XX/year> ( a total of {$70000.00} ) from my XXXX XXXX bank account to Coinbase. They required me to create a Coinbase account, transfer the money into my own account first, and then send it to their Coinbase account by purchasing USDC. At the time, I did not realize I was being scammed, but now that I do, I have reported it to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that the reporting agency assume this vital role and which they failed to properly investigate these inquiries the first time.i am also aware that deletion is admission and I need to be compensated.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX
Product: Prepaid card

US Bank Relia XXXX XXXX XXXX Cardholder Services XXXX XXXX XXXX XXXX, FL XXXX My name is XXXX XXXX. I have a prepaid non-releasable debit card that expired. I can not order a replacement as I can not verify the last XXXX transactions, although I can verify everything else : name, address, card number. When I try to check the transaction history, it says I can not check an expired card and to call the number above. They refused to send me a replacement card. Please help!
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/19 a letter was sent to Transunion disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX 's XXXX XXXX via phone on numerous occasions to dispute the error they are reporting in my ChexSystems file. 

However, each time I call I am routed to a department that says they can not obtain my account information since it is closed. 

I am in receipt of my ChexSystems report, and there is inaccurate information reported in my file. 

XXXX XXXX XXXX XXXX XXXX is reporting an unpaid balance which is inaccurate. The outstanding balance has been paid, and I have attached a copy of the money order that reflects it has been paid in full.
Product: Debt collection

We received a call from Grant Mercantile Agency Inc., a collection agency on Friday XXXX XXXX stating that I owe them {$750.00} for the XXXX  bill that was due from XXXX XXXX XXXX XXXX. During the call we mentioned that our Insurance company took care of the bill and we received a confirmation letter from Grant Mercantile Agency stating that the account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reports wrong again [ XXXX and it can not be changed and because Experian deleted the correct commentary and used their own! Now isn't that surprising? Submission Failed-When you dispute an item on your Credit Report, we will review your dispute and update your Report if we are able to do so based on the information you provided. Otherwise, we contact the company that reported the information and ask them to verify the accuracy of the information in light of the details you provided with your dispute. 
What a rouse and farce that people come before us as good and decent and honorable works indicate the opposite. We have attempted to correct your misinformation - I am not a senior - multiple times and with them. Their reporting always late and inaccurate. If that is not a scam, what is? 
PS how about reading the complain or at lease having someone who comprehends English repair what I have tried to so many years now!!!! 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I'M NOT A SENIOR I AM FEMALE DUH!
Product: Mortgage

So on XX/XX/year> I went thru a closing on a mortgage I don't ever recall get any rights to rescind forms .. Also I notice the original mortgage company { XXXX XXXX XXXX XXXX committed security fraud.. The company fraudulent stated they issued the loan that was used to purchased the home.. But I later found out that the mortgage company cashed in the Promissory Note that me and my co buyer sign and that's where the money came from .. Also under Title 15 USC 1602 G CREDITOR means person which means we lent the bank our credit .. Plus Title 12 USC 1431 banks can not lend money their job is to BORROW money .. { Which means my mortgage contract is fraud } So now this is our third attempt to cancel our contract which the companies keeps ignoring .. Also under Title 31 USC 5103 the promissory note or federal reserve note is to cover all debts even taxes..
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXl XXXX account number XXXX. I see that this account has charge-off status and yet there is a past due balance on your report, do you know IT IS A VIOLATION? I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. I do not believe the status of this account is ACCURATE either, as required by FCRA Laws.
Product: Mortgage

I was 19 days past due for my Fifth Third Bank mortgage it was due XX/XX/XXXX and I paid it online on XX/XX/XXXX. Fifth third bank had the audacity to send someone to my home on Sunday, XX/XX/XXXX and I was not home my children were and they handed my XXXX year old daughter an envelope and questioned her about my whereabouts my daughter said she was very rude with her. Then I received a phone call today, XX/XX/XXXX and they refused to tell me what company they were calling from. I found out because I hung up and called the number back. # 1 they should not have came to my home for a payment that isn't even 30 days late and they harrass me with phone calls. Something needs to be done with this bank. They dont need to come to anyone 's home for a 19 day late payment. Please look into this this has to be breaking some type of law. I have never heard of a company come to your home and harrass you ... they basically harassed my children. I called them today to complain and the representative said she knew nothing about a lady coming to my home.
Product: Credit card

To whom this may concern I have a Walmart credit card through Capital one financial I have been told on numbers of occasions I was sent a letter regarding the replacement card in which I have not received, every time I call, I have been told a different date, However I ask if the letter can be resent this has been refused no letter that I been told was resent on 4 time via email. I get misleading information and excuses regarding the letter concerning the XXXX XXXX card email me the letter ,2 days ago I was told by manager very rude lady, did not get me any updated information in stand No accountability on the behalf of the company, just excuse after excuses. I still have not received any letter but was told if I call again all three of my account would be close. 
The XXXX from Capital One sent a fake letter with Capital One Letter head in which I do not believe it came from Capital. I believe she sent it herself. If it indeed came from capital, I will be taking other and further action.

My concern is I don't not believe Capital one will be sending anyone a XXXX replacement card which have a different name due to the changes XXXX discontinued their agreement in a lawsuit against Capital one. But the Customers are being held responsible due to Capital One Does not want to do what should be done is send the replacement XXXX salver card. 

So now I believe Capital One trying to create a narrative and upset customer for asking, calling requesting update on the XXXX XXXX replacement card that they honesty really do not want to replace.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 4 unauthorised Hard enquiries on my account which are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

I am deeply concerned about the internal accounting, controls and customer service provided by these two companies. I would advise anyone who will listen to stay away from these companies. 
XXXX - https XX/XX/XXXX The Money Source ( TMS ) - https : //themoneysource.com/ I refinanced my mortgage of roughly {$280000.00} with XX/XX/XXXX on XX/XX/XXXX. Servicing of the loan was transferred to The Money Source ( TMS ) which is XXXX 's internal loan servicer. 

I made two monthly payments ( with extra principal ) in addition to a few thousand dollars extra in principal payments to TMS. The loan was then transferred to XXXXXX/XX/XXXXloan servicing in XXXX. 

Due to what appears to be failed internal controls and accounting, TMS never transferred all of my loan payments to the new loan servicer. They failed to send over roughly {$8000.00} in payments. 

I have called them 5 times regularly since this time ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to correct the issue and each time they have told me that either the issue will correct itself eventually or that an open task is pending with an internal department to address the issue. 

Once they recognized that the issue would not " correct itself '' they finally opened an internal task which was due to complete by XX/XX/XXXX ( roughly a month out from when I called. ) This date has come and gone without resolution or even a call back. I have been told on 4 of these calls that someone would call me back within 24-48 hours to provide an update. I have never received a call back. 

1. If I had not tracked in detail the loan balance and payments made, it seems that TMS would have never discovered this issue, these funds would still be lost, and I would not have been aware of {$8000.00} simply vanishing. 

2. I seem to not have any recourse to address this issue with TMS. I have given the company ample time to address the issue and nothing has been done. They continue to kick the can down the road. 

3. I have no control over the loan servicer chosen for my mortgage. I am deeply concerned about the internal accounting and controls in-place at XXXX and The Money Source ( TMS ). How many other individuals have lost thousands of dollars in payments without even knowing it?
Product: Debt collection

I had XXXXXXXX XXXX security system which was acquired from XXXX XXXX in XXXX. My contract was to auto renew in XXXX for another 5 years and per the contract I was to provide written notice of intent to terminate to prevent this from auto renewing. To which I mailed a termination letter to both the XXXX XXXX office and the XXXX XXXX, I called the XXXX customer service line several times, I sent emails requesting termination, and I also sent them text responses for termination. These were sent start 75 days before the contract renewed as evidence in the images provided. They did not terminate the contract and attempted to charge for additional months which I replaced the card it was charging to as the authorization for direct billing had been rescinded and the additional charges were now fraudulent. 

In XXXX I received a text message from Zion Debt indicating as shown in the images that they intended to report it to my credit by XX/XX/XXXX, if I did not pay the bill in full. This was deceptive and a lie as they had already reported the account to my credit in XXXX of XXXX. I requested all communication to be submitted via email and requested several pieces of validation as was my rights under Fair Debt Collection Practices Act as well as Fair Credit Reporting Act since I had followed the letter of the contract and provided more than the minimally required notification of termination. I never received any further communications from Zion Debt including not receiving the requested debt validation documents which made my request a legal dispute of the debt and they did not investigate, provide the documents required, nor remedy my dispute. 

My remedy is to have Zion Debt immediately and permanently remove the improperly reported collection account from all of my credit reports to include, XXXX, XXXX XXXX, and XXXX. To not report it as any change but a full and permanent deletion.