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

On XX/XX/XXXX, I received an alert that a collections account from XXXX XXXX XXXX in the amount of {$860.00} had been reported on my Transunion credit report. This collections account is not mine. I have not received a bill and have never had an account with the original creditor, XXXX XXXX. I disputed it immediately. It has yet to be removed. This is an ongoing issue with Transunion. They continue to report false information on my credit report. It is extremely stressful and I have had to dispute information through their website multiple times ; I finally froze my transunion credit report a few months ago because of the numerous hard inquiries that were not mine. Im unsure at this point if this is a case of identity fraud or an identity error on their part, but it only reoccurs with my transunion account. I have spoken with transunion representatives at length, yet it still keeps happening. Additionally, they have three names listed on my report for an unknown reason, one which states my middle initial is XXXX which is incorrect. I have also disputed this and it has yet to be removed.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX  Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payment XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called American Express ( AmEx ) customer service ( at XXXX ) yesterday ( XX/XX/XXXX ) to confirm the start date of the six months I have to spend {$2000.00} to have the XXXX bonus miles added to my Delta account per the AmEx Delta Skymiles Gold promotional offer ( per https : //www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards ). I was surprised to hear XXXX, a customer service agent, state there was no such offer connected to my account. He said I should have been notified by email or mail that I was not eligible for the offer ( because of previous AmEx card applications? ). ( I have not applied and been approved for an AmEx card since XX/XX/XXXXXXXX  ) I replied that I was not so informed. Neither he nor XXXX, the AmEx customer service agent I spoke to today ( XX/XX/XXXX ) at the same phone #, could cite any such rejection notification that I was sent. I have received no letters or email from American Express about the Delta Skymiles Gold card since the email I received on XX/XX/XXXX ( attached ) with the subject, " Your application has been approved. '' I would not not have applied for the AmEx Delta Skymiles Gold card if I had known or suspected that I would not not be approved for the XXXX Bonus Miles ( which has now increased to XXXX Bonus Miles for spending {$3000.00} in 6 months ). I also would not have charged the {$1000.00} ( my balance thus far ) to the Delta Skymiles Gold card, but would have charged that sum to other credit cards where I receive 5 % cashback for restaurants, supermarkets, and gas ; 3 % for hardware, and a minimum of 2 % cashback ( with my XXXX XXXX card ) for everything else. 

This was blatant fraud and false advertising ( which has adversely affected my credit rating ), for which I should be reasonably compensated.
Product: Debt collection

There were multiple issues with this company. To start they called me at work. You can say my place of employment is one that would be considered unusual or inconvenient by the FDCPA because we answer emergency medical calls on the line they called. When I picked up the phone they said they were a law office trying to keep me from going to court to put a lien on my car. They also said they mailed something to my address ( my correct address ) and it was returned. I'm not sure why this one piece of mail is returned but nothing else has ever had problems. The debt they are coming after me on is well over the statute of limitations in the state of Ohio, and when I asked what this was for all they could tell me is it was a mastercard. My credit report is clear of any derogatory marks. I have spent the last 3 years monitoring my credit closely and taking care of any old debt on it.
Product: Credit reporting or other personal consumer reports

I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. XXXX XXXX, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.
Product: Credit reporting or other personal consumer reports

Experian notified me, that I had very good approval odd for a XXXX XXXX XXXX card, so I applied, and was denied. According to XXXX XXXX, they pulled from XXXX credit bureau. XXXX, XXXX XXXX is disingenuous. For example, XXXX XXXX written explanation, Account has late payments or negative record within 1 year of opening is a blatant lie! I have NEVER BEEN LATE with ANY OF MY ACCOUNTS IN THE LAST XXXX YEARS!! My accounts with XXXX XXXX or XXXX XXXX, nor my revolving accounts with XXXX or XXXX was NEVER LATE! Plus, I have ZERO collections. Most importantly, I paid XXXX and XXXX settlements in full on time. XXXX XXXX gerrymandered my application already.
Product: Mortgage

on XX/XX/XXXX of XXXX Shell point mortgage servicing deducted {$2000.00} from my escrow account to pay XXXX XXXX XXXX XXXX XXXX '' 3 days later on XX/XX/XXXX XXXX deduction was made in the amount of {$1900.00} also label XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX a refund was issued to the same escrow account in the amount of {$2000.00} and was labeled " tax refund no report '' The first time this mistake happened it went unnoticed, I did not realize it happened but then again on XX/XX/XXXX there was a payment of {$2000.00} labeled XXXX XXXX XXXX XXXX XXXX '' and 2 days later on XX/XX/XXXX a second payment of {$2100.00} again labeled XXXX XXXX XXXX XXXX XXXX '' it was shortly after the second double payment that it came to my attention that it was happening. so as a new home owner unaware of how everything worked I sent an email to shellpoint mortgage servicing asking why there were 2 tax payments coming out of my account. 

on XX/XX/XXXX shell point mortgage servicing send me a certified letter explaining that it has come to their attention that 2 separate tax parcels had been attached to my loan. the 2 tax parcel numbers that they provided are " XXXX '' and " XXXX ''. these tax parcels can be looked up free of charge on the website for XXXXXXXX county Missouri. upon my own investigation of the tax parcels, tax parcel number " XXXX '' is a tax parcel for a property I do not own. the name on this tax parcel according to the county is " XXXX XXXX '' which obviously is not my name nor the name on the property that the mortgage company services. 

so to sum all that up, someone somewhere messed up and because of that mess up I was charged a different individuals personal property taxes. 

shell point mortgage company sent me the letter on XX/XX/XXXX and since then countless phone calls have made to shell point all of which I made, and to this date almost a year later no refund has been issued. I have called and called and waited and been patient and they refuse to issue a refund for their mistake. after I brought the mistake to their attention they removed the second tax parcel from my account and lowered my monthly payment immediately, but they have yet to issue a refund the second tax payment that was charged to me.
Product: Checking or savings account

Need to link my bank account with a student loan company and it tells me that XXXX wont allow me to link to third party services. This is stopping the application of my loan.
Product: Credit reporting or other personal consumer reports

I checked my credit report in XX/XX/2024 to find that there is a balance attached to my credit report for what appears to be an apartment complex. Ive asked for verification and have not gotten any Company is : National Credit Systems XXXX  {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals. I sent Bureaus letters 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 information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}
Product: Money transfer, virtual currency, or money service

I reported a scam payment with {$85.00} today ( XX/XX/XXXX ) and requested to cancel the payment with Chase bank. However, they told me they could neither cancel the payment nor refund the money back. I dont think its reasonable since I called immediately after I transferred the money and knew it was scam. Shouldnt the company protect their customers?
Product: Mortgage

My lender is TIAA Bank, the loan is serviced through something called XXXX. They are both utterly XXXX. On multiple occasions they have attempted to unilaterally change the terms of my loan without my consent. Among other things, they went out and purchased homeowners insurance at 4x the market rate and then attempted to pass that cost along to me ( I already had homeowners in place ). They mistakenly paid my real estate taxes even though it was not set up to be paid out of escrow, and then tried to use that fact to restructure my entire loan. And on and on and on .... 

I have attempted to contact them literally dozens of times to discuss and rectify this. Literally dozens of phone calls, emails and letters over more than a year. It is IMPOSSIBLE to get anyone on the phone. They purposely wall themselves off from borrowers to prevent anyone from engaging with them in a meaningful way. 

They are truly an ugly, XXXX, XXXX  organization and I hope they will be held accountable for their unethical behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, after receiving endless mail from XXXX XXXX regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 5 financial loss, and I seek appropriate redress for these violations. My account was also closed after trying to verify my identity to keep it open.
Product: Debt collection

This company is trying to collect a debt that has already been removed from my report. XXXX Collections tried to collect the debt last summer, and reported it to XXXX. I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by Diversified Consultants as they are trying to collect it.
Product: Debt collection

On XX/XX/2023 I sent a debt validation letter to Credit Control Corporation to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, XXXX and XXXX XX/XX/XXXX  requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.
Product: Credit card or prepaid card

I had bought appliances in Sears store with there credit card which at the time I was told by person doing transaction that it was going to be 18 months no interest, which the interest accumulation will start at the beginning of the 19 months, also when I received appliances with damaged I called Sears about damage and we had a agreement that they would reimburse me for those damages. Later as time passes I look at statement and I was charged interest for the XXXX and also not refunded the damage amount, so for the past year I been trying to figure something out so I call Sears to have it resolved and they say they send me a check for damages to wait 7 business day that was last month and that some one will contact me for interest charges, I have not heard from them, they have me on hold or transfer me to different department then they hang up and nothing gets resolved this been going on seens the beginning of last year. I need help
Product: Debt collection

I 'm writing to dispute, for the third time, XXXX XXXX XXXX XXXX. Had charged off credit card through JCPenney owned first by GE then transferred to Synchrony Bank and this still sits on all three credit reporting agencies. Debt subsequently sold to debt collector, XXXX XXXX XXXX appears on all three credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all three agencies. 

THIS WAS TWO YEARS AGO AND STILL BOTH ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which XXXX XXXX was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all three credit report sections listing JCPenney AND XXXX XXXX XXXX and a copy of their letter.
Product: Mortgage

Applied for a loan with Ditech mortgage and have not received anything in writing from them. I did talk with XXXX XXXX and he said that it had been declined and they were looking into another loan situation for me. To this day I have not heard anything. 
I called and left several messages for a supervisor by the name of XXXX XXXX @ XXXX in the refinance dept., but I have not received a call back. Also the person that took my application by the name of XXXX XXXX will not respond to my calls. 
Can You please help me get a letter of status concerning Loan # XXXX with Ditech Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
My mailing address is XXXX. XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX & Hunter Warfield told us nothing of alleged damages when we moved out. Then, when we found the debts on our credit reports we disputed them. We received no notice, no invoice, nothing. XXXX XXXX ( Hunter - warfield ) ILLEGALLY verified the debt as valid through the credit agencies despite multiple challenges. Providing only an unitemized invoice that we never received as verification to the credit bureaus. 
We have notified both XXXX XXXX and hunter warfield. We have challenged the debts. they remain on our credit reports due to the companies illegally claiming the debts were valid
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( XXXX  ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX BANK XXXX
Product: Debt collection

Theyve called me just about every day except for Sunday. Sometimes 2 or 3x a day. They called me on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I owe them about {$300.00}, I chatted with someone yesterday about the repeated calls and they basically said that they can do that. I told them that its borderline harassment to call me every multiple times a day, for several days. And I feel like theyre covering their tracks by it being a robot saying they wan na discuss an important matter but its very obvious they want their money that I dont have right now.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have been using Juno as my bank, This past wednesday, XX/XX/XXXX, I was supposed to recieve my normal deirect deposit paycheck. I had bills scheduled to come out of my account on XX/XX/XXXX. My deposit never made it although my company already submitted for direct deposit. My phone bill had been behind due to some unexpected vet bills so i made a payment arrangement with XXXX 

When the money wasnt in my account I notice Juno is having some sort of dispute with XXXX XXXX XXXX XXXX and all cash has suspended, I also see the disclamer telling all direct depoisits will be sent back to issuer. Being time of the essence, I tried calling Juno.Phone conversations not available. I wrote a few emails that I finally recieved a generic response. I asked when I could expect my companies account to recieve my check back so they could redirect it to another account, Nothing has been shared. this link was provided in the generic message. It now has been almost a week and I have no money. I had to borrow against my next paycheck whatever was coming to me to pay the phone bill as it was scheduled to be shut off. I am now in a very desperate situation as more bills are being missed. one being my car payment. Please help me get the4se folks to help me find the money that is very much needed in a timely manner,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX