23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files. 
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file. 
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible. 
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute for these accounts GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but XXXX claims they verified the accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures yo prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation :
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited The XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their contact number is ( XXXX ) XXXX - XXXX. 

As I was in the middle of making a purchase, the cashier asked me if I wanted to sign up for a rewards card. As she kept trying to convince me that it was not a credit card, I still asked her three times to make sure it was not a credit card because I was trying to get a home. She promised that it was not a credit card, so I gave her my information. 
She then came back to me and said it was not approved. I said to her that I never had a rewards card not approved. Before I left the store, I called for a manager. The manager went over to check her cash register, and sure enough she pulled my social security number for a XXXX  Credit Card.

The manager apologized but it was too late. 
On my credit report, they did a hard pull and then removed it, but my credit score dropped because of that pull. 
I can not find a decent attorney that would represent me, and I am now inquiring to see if CFPB can compensate me for the damages they did even after they pulled it. 
I do have copies of them removing the inquiry, my receipts of me being at the store as well. 
I want to make sure this never happens again to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to remove the collection from XXXXXXXX XXXX XXXX XXXXXXXX. for the amount of $ XXXX of my Transunion. This is not mine and it should not be on my credit report.
Product: Mortgage

I recently refinanced with my mortgage company Nationstar. During the process, I had to provide them with my current XXXX XXXX policy to be updated with the new loan number and for my escrow information. We completed the refi process and set up the escrow account. Prior to my first payment being due, I received a letter from Nationstar stating that they did n't have my Homeowners info and that they would be placing lender paid insurance on my account, causing my monthly payment to go up. I know that I provided the information or else my refi would have been approved. I refinanced another property that I have with Nationstar a few years and I ran into the same issue. One time is a mistake, 2 times is a trend of how they operate. It is my belief that they are doing this to unsuspecting homeowners and some how benefitting from the lender paid insurance. I ca n't prove this yet but its too coincidental. I tried to speak with my employees at Nationstar and they are promising to correct my situation, but I believe that it is bigger than that. I work in the mortgage industry and understand the process. If someone else did n't have that knowledge they could easily see their payments jump up and not know why or how to resolve it.
Product: Credit reporting or other personal consumer reports

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my rights.
Product: Credit card or prepaid card

Applied through specific link for specific Bonus offer. 
Received a letter in the mail that they could approve me so as long as I call their phone number and reconfirm some personal information the app. I was told I would be approved shortly. 
I made sure with the rep on the phone that I will receive the precise offer I had applied for through the specific link I originally applied through. 
The rep confirmed that if approved, I would get whatever offer I had originally applied through online. 
I received a credit card in the mail 10 days later. There was no information about my bonus offer I specifically applied for. 
I called the bank and asked them to confirm my offer. 
I was completely shocked as the rep read a completely different offer. 
I explained what I had applied for. The rep promised to " fix '' the offer to the one I had applied for. Even for extra convenience I emailed the rep an actual screenshot of my exact offer and the website address link I applied through that goes right to it. 
I never got a phone call back from the rep even though they promised to call me back as soon as the offer was corrected. 
Instead, I called in and got a different manager and had to try and re-explain everything only to feel that this manager didn't seem to empathize nor care about my situation. 
They just said they would send a message to the back office and " ask '' about it. 
She then then called me back a few days later and happily told me that the got a response and that the offer is not being changed.???? I told her that this is totally unacceptable and makes NO SENSE. It was never a debate or plea. I provided exacting proof of what I applied for and told them they can also track their phone calls as I promised I would still get what I initially applied for even though I did have to call in to reconfirm info on my app. They also can use their IT department to see the precise link I had used to apply. ( If they didn't believe me ) She then tried to claim there is nothing she can do. I demanded a call back from the highest level executive, because I did not feel comfortable with this rep and also knowing that if my situation had been precisely communicated to the right person, they could easily find where they had mistakenly given me a different offer. 
The OFFER I applied for and rightfully deserve as promised is : " EARN XXXX bonus miles after spending {$2000.00} on purchases in the first 90 days, AND earn XXXX bonus miles after a purchase is made on an employee card '' NOTE : I have already MET and SURPASSED this within weeks of using my credit card. 
ALL I ask is that I be promptly credited with the XXXX XXXX ( XXXX AA Miles ) Please help. This is so wrong and unjust. It is more insulting when " managers '' who told me they totally understood and that the back office will fix the error, to then get the call I recently got rejecting me.
Product: Mortgage

I recently made a final payment on a Home Mortgage through BB & T / XXXX XX/XX/2021. I was advised that the Bank would issue a check for the amount I had in escrow within 20 business days in the amount of {$1900.00}. On XX/XX/2021 I still have not received my money. I called their customer service number and spoke with XXXX who would not assist me. I repeatedly asked for a Supervisor and was placed on hold for 35 minutes before being disconnected. I called back and spoke to XXXX who stated they would not do anything until after XX/XX/2021. The bank stated they issued a check on XX/XX/2021 and if I had not received it yet that it was probably due to COVID. 
This is my money, not the Banks. If I were late on a payment to them they charge LARGE fees, HOWEVER they can hold my money hostage and nothing happens to them. The Bank should be paying me interest and a late fee for being unprofessional and inept. 
I was NEVER late on my loan but yet they can not issue a check immediately or wire me the money. This is wrong.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint about inaccurate and unauthorized collections being reported on my credit report by Experian. I have previously requested that the debt collectors handling these accounts cease all forms of communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which mandates that they stop communication after a cease-and-desist request. Nevertheless, these debt collectors continue to report the accounts to Experian, which serves as a form of communication that damages my credit score and financial well-being. This reporting also violates the Fair Credit Reporting Act ( FCRA ) because it is based on inaccurate information that remains on my report despite my dispute.
Product: Checking or savings account

On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved. 

On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns. 

Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days. 

TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason. 

Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one. 

As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem! 

I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX. 
I have tried 3 weeks to solve with TD Bank, I sent ev
Product: Credit reporting or other personal consumer reports

Please review why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter.
Product: Debt collection

Convergent Outsourcing is a debt collector reporting to the bureaus illegally. I requested proof of their claim for the alleged debt XX/XX/2020 via certified mail. They failed to provide proper validation. I also informed them they are illegally reporting under their own name on a Massachusetts consumer credit report in violation of 209 CMR 18.17 ( 11 ). They failed to remove their listing. 
I sent them a second notice XX/XX/2020 via certified mail. They again, failed to provide any proof of ownership of the account or any record of a contract showing my signature in accordance with the alleged debt. 
I sent them a third notice XX/XX/2020 via certified mail informing them I would report to the CFPB on their illegal activities. They ignored my notice.
Product: Checking or savings account

On XX/XX/XXXX I deposited an inheritance check into a new money market savings account ( separate from my checking and regular savings accounts ) at Key Bank XXXX XXXX XXXX XXXX ). The bank was notified on XX/XX/XXXX that the check was NSF. I received a phone call from the bank on XX/XX/XXXX or XX/XX/XXXX. Key Bank requested a bank check to replace the NSF one. I secured a bank check from the lawyer handling the estate. I deposited the bank check on XX/XX/XXXX. It was then I learned that Key Bank had blocked ALL MY ACCOUNTS. This created a SEVERE FINANCIAL HARDSHIP on me as Key Bank was the only bank with which I did business. Even though the replacement bank check cleared last week, Key Bank continues to block ALL MY ACCOUNTS.
Product: Payday loan, title loan, or personal loan

I am enrolled in the XXXX XXXX upgrade program administered by Citizens Bank. The bank sends no statements whatsoever annotating payment history, and its online portal does not display any payment history. I am unable to obtain records for the payments I made, all on time and in full compliance with the loan terms, so that I can file the associate expenses for my mobile phone equipment on my 2017 taxes. 

Citizens Bank acknowledged the system was unable to denote the account history and submitted a ticket for repair back in early XX/XX/XXXX. It remains unresolved, and tax filing deadlines are at risk of being missed for business filings. 

The portion of the system that takes the customer 's money works flawlessly. The actual compliance and records portion still does not work, and it will ultimately end up costing me financially due to their inability to provide the agreed upon services.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent account # listed below, has violated my rights. 

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. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I opened an account with Capital One XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Product: Debt collection

I am using a debt collector to help me get back on my feet. I have gotten numerous letters and non stop phone calls from JP Morgan Chase and now they are sending and calling me for the money which I have told them in the past I am consolidating my cards to help myself and they are giving me bad XXXX XXXX and XXXX XXXX. Pkease contact XXXX XXXX XXXX  this is the company helping me out. PLEASE HELP ME STOP THESE PHONE CALLS AND LETTERS.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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Product: Credit card or prepaid card

On XX/XX/2022 someone used my debit card information to make a fraudulent purchase of {$530.00} from XXXX XXXX XXXX. I disputed it with my bank, Chime ( banking services by XXXX Bank XXXX and in a very quick turnaround they denied my claim. There was little to no time for any investigation to be had. I've called and pleaded with them to reopen the claim, but they tell me I need to bring new information to the table. I contacted XXXX XXXX XXXX myself and they've told me that they can not look up any transactions without a ticket number ( which I obviously do not have ). I've hit a dead end and have simply lost {$530.00}. 

I've never even heard of XXXX XXXX XXXX before this. I've never traveled to the XXXX XXXX. I have geolocation on my phone proving I've been in America all year. If a real investigation actually occurred, any sane person would realize I did not make this purchase.
Product: Debt collection

It is a medical collection from an XXXX  office that was part of my XXXX XXXX. I had XXXX  insurances at the time of the procedure in XXXX  and they did not send ir they it late to my secondary insurance does they were not paid as per my previous insurance company. They put this collection without any written notification to me stating that I owe anything. I was just surprised that I am being harassed by this collection agency ARS account resolutions stating that I owe XXXX XXXX XXXX which has a lot of complaints same as mine. Please help me remove this collection from my report as I am not responsible for this. Thank you.
Product: Vehicle loan or lease

There is currently an inaccurate item being reported on my credit report from Mid Atlantic Finance I have contacted this company at the address listed on my credit report here:XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I 've had my mail returned because this company is reporting incorrect info about me I understand that this is against the fair credit reporting laws.My attempts to have this debt validated were failed and after months of sending letters to address I found online I never received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.