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

I spoke with a representative concerning a 30 day late payment that is showing on my Transunion and  XXXX  credit report dated  XXXX   2016 , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to complain about the 7 text messages and 11 phone calls I have received this morning within the last 30 minutes regarding refinancing my mortgage. When I asked why am I getting these calls ; the response was your credit report was pulled yesterday and your information was sold to us so we can contact you regarding refinancing your mortgage. 

My credit was pulled yesterday to obtain auto financing at the Bank I work at. I cant understand why the credit bureau the Bank is contracted with can then sell my information to another company in order to try and get me to finance with them instead. GLBA privacy regulations indicate we cant tell anyone we gave someone a loan, why can the credit bureau? This is an unsolicited intrusion into my private information.
Product: Mortgage

Specialized loan servicing has not sent me modification papers to fill out and I don't even think they are the company that has the right to
Product: Credit reporting or other personal consumer reports

They have inquiries on my report that are not mine- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under closed accounts but reporting negatively.

Let them know to provide a contract in wet ink signed by both parties with identification and they can not. They have no proof and this is a 3rd party company who reported this.

Requesting all be removed
Product: Vehicle loan or lease

I turned in my Infiniti XXXX on XX/XX/XXXX per lease agreement. On XX/XX/XXXX I received an " End of Lease Liability Statement '' with a {$390.00} disposition fee and another {$560.00} for property taxes. I called Infiniti Financial Services on XX/XX/XXXX regarding the property taxes and was told they would be sending me documentation that the taxes were paid to the States of Texas on our behalf. On XX/XX/XXXX I received a " Notice of Default. '' I send the payment of {$950.00} on XX/XX/XXXX without having received the documentation I requested. On XX/XX/XXXX I received another " End of Lease Liability Statement '' but the property tax amount was changed to {$760.00} and so it showed I still owed {$190.00}. Since this seemed like a scam, I once again contacted Infiniti Financial Services asking why the property tax amount changed. They could not give me an answer but once again said they would mail me documentation. Three days after this we began receiving calls from a collection agency. They have been calling at least twice a day since. They can not provide any information but just insist we owe {$190.00}. I think it was unprofessional and unnecessary to send this account to a collection agency to harass us AFTER ONLY 17 DAYS. This could be easily remedied by sending the documentation as promised!
Product: Debt collection

HF Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX randomly called people with my last name until they found a family member and then lied and gave a bogus reason for them to call me. They told my brother I filed a insurance claim for unlivable conditions. It ended up being a debt that was included in a bankruptcy years ago and its a collection firm trying to collect a old debt. I spoke to XXXX who was an absolute XXXX and broke many FDCPA laws and made multiple violations. He threatened to file litigation if I didnt pay the debt within a hour. He called family members and gave personal information and lied to them to get me to call under false pretenses. He refused to transfer me to a supervisor after I repeatedly told him he was breaking the law by doing, and saying what he was. He hung up on me two times when I called back to speak to his supervisor. Even when I told him it was against FDCPA to call family members randomly and give them personal information, refuse to let me speak to his supervisor, and threaten litigation when hes not actually about to do it, he just got a attitude and hung up.
Product: Debt collection

I spoke to the original creditor regarding all of the following accounts that were purchased by Transworld Systems inc. The info that Transworld systems is furnishing does not match the info I received from the original credit/creditors. This is a huge violation of the FCRA, and FDCPA. This inaccurate data has caused me great personal issues. It has triggered my XXXX and caused my interest rates to sky rocket. If this debt is not removed I will seeking litigation under 15 USC 1692 which combats abusive debt collection practices. I will seek my {$1000.00} per violation as well as the other inconveniences these inaccurate debts have caused me. This is this debt collectors last chance to remove this inaccurate/ non verified debt. 
Transworld Sys- XXXX Transworld sys- XXXX Transworld sys- XXXX Transworld Sys- XXXX Transworld Sys-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom and XXXX. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

i tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX points to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
Product: Credit reporting or other personal consumer reports

I have sent out a letter to Equifax, XXXX, and XXXX on XX/XX/year> and none have responded it is now XX/XX/year> XXXX claims that because of there policy I can not dispute an address a company ( XXXX  XXXX ) is reporting even tho its inaccurate so meaning that they think that there policy is above the federal law which state that a consumer can dispute any information that are inaccurate which is effecting my rights to equal credit I also I also would like them to reinvestigate XXXX  XXXX and XXXX XXXX for failing to respond to my validation letter as well as Equifax and XXXX my consumer profile should be correct and fix to reflect that its 100 % accurate as per law
Product: Prepaid card

I have literally tried to use these amex gift cards everywhere and the only place that would accept is XXXX and have nothing more to buy there so want amex to cash out since they advertise that these are accepted anywhere amex is accepted which is bogus or in the alternative I am asking the CFPB disallow AMEX from stating these gift cards are good anywhere AMEX is accepted. 

I filed a XXXX  complaint and they do not provide anyone to speak to and they responded stating these gift cards may not be able to be used for cash out and or online if online retailer does not allow split transaction. This does not answer why I have been unsuccessful at using in store as well. 

I also find it crazy that even if you can use to buy items it is almost next to impossible to get the final remaining small amounts off of these gift cards so I would love to know where all of those funds go if they are never used?
Product: Mortgage

re : : XXXX XXXXXX/XX/XXXX Trustee for XXXXXXXX XXXX-OP1 Series Mortgage Pass through certificate ( Foreclosure scheduled XX/XX/2018 ) SPS Servicing Account # : : XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Please note that we submitted the following complaints ( listed below ) against XXXX XXXX, XXXX of which we have received multiple follow up emails from cfpb indicating that XXXX XXXX is still working on responses to our complaints. while we await formal response to our concerns from wells fargo, we request. that they cancel the upcoming foreclosure ( XX/XX/2018 at XXXX ET ) on our home. 

The previous complaints filed with XXXX XXXX, that XXXX XXXX has indicated they are still reasearching are as follows ; XXXX : : XXXX XXXX working on response as of XX/XX/18 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Settled account in full and the company sent me a letter saying that they notified all credit reporting agencies to delete my account information
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX-XXXX 2017, my credit report was improperly handled by Equifax and was one of the 100+ million people affected by this breach. The actions by several of their managers ( selling their company stock without proper disclosure before the news went public ) shows they have no urgency to make this right. They are seeking to limit their liability and taking no steps to help customers.
Product: Debt collection

I have disputed several times reached out to the company to remove this fraudulent charge and they wont
Product: Money transfer, virtual currency, or money service

I purchased litecoin using the coinbase website. Since I wanted the funds available immediately I used a credit card and paid a higher fee. I was using the money to invest in TRX, but when I tried to transfer the funds coinbase put a hold on my money. This is after 2 factor authentication to login, credit card authentication, bank account authentication, and identity authentication. Additionally, I have used this site before to do this exact transaction without issues so I had no reason to think they would hold my funds when they website clearly states they will be available immediately.
Product: Credit card or prepaid card

I have a credit card account with Barclay Bank, and I have been calling them since XXXX to speak with someone in regards to cancelling a transaction I did not approve. Just this week I had another transaction I did not approve. I have been trying to cancel the card since no one ever answers the phone. I have called them several dozen times and wait on hold and have never been responded to. I wait up to an hour at times and no answer. 

When I call Barclay Bank and enter my credit card number it says the credit card information is not recognized. I have tried several different Barclay phone numbers in hopes of getting in touch with someone, but it continues to lead to wasting my time and further frustration.

I tried to log in online to contact them and it won't allow me to. It has nothing to do with account information, password, etc. I know my accounts well. I have been trying all day so far even calling their regional offices and I even tried XXXX and XXXX to get someone. I am beyond frustrated and am worried about my account, but they just don't get back to you. I don't know what to do at this point I am dealing with a company with horrendous customer service and need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX my XXXX XXXX XXXX  and obstruction for XXXX XXXX removed. 

They went over by 39 minutes on procedures and billed me XXXX and my insurance said its not allowed! 
Its now XXXX plus I have been trying to get them to drop there over sight the max billing on procedures is already done. 

Thank you for youre help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit report it doesn't show my XXXX limit as XXXX $ but it instead it shows my old limit. i have a XXXX and XXXX XXXX credit card which i cant see on my report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I have 4 student loans on my credit report that are not mine. 
I am a permanent resident that didn't get my social security number ending XXXX XXXX. My credit report shows that I have 4 student loans on my credit report from XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

I am writing regarding the XXXX. XXXX XXXX account ( Account Number : XXXX ), which was recently verified in response to a dispute I submitted. Upon review, I believe this account may have negatively impacted my credit profile, and I am seeking clarification and resolution under applicable credit reporting laws. 

Under the Fair Credit Reporting Act ( FCRA ), I can request valid and verifiable information concerning this account. Specifically, I ask : Documentation or letters that confirm the accuracy, ownership, and legitimacy of this account. 
The method and process by which the account was verified. 
Suppose the requested information can not be provided under the FCRA. In that case, I kindly request that the account be removed from my credit report immediately, as it would otherwise constitute inaccurate or unverifiable reporting. 

Furthermore, I recently came across information regarding the CFPB 's lawsuit against Experian, which highlights the importance of maintaining accurate reporting standards. In light of this and my own experience, I trust that you will handle this matter with the utmost diligence. 

Please consider this letter a formal request for validation of the account. I expect a response within the timeframe specified under the FCRA, which is 30 days from receipt of this request. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
Product: Credit card or prepaid card

I was travelling in XXXX during XX/XX/2019 and got my wallet, my credit cards, debit card, drivers license and my phone stolen on XX/XX/2019. I called Chase immediately after i discover my items were stolen ( within 2 hours of the theft ) and explained the situation. The representative told me there were several charges made on my credit card and debit already. I told them that i did not authorized those charges and my wallet was stolen. The representative reassured me that i won't be responsible for those charged and my card was cancelled and a new card was issued. I also asked them what else i need to do to protect myself, and they told me i was doing the right think to call them. 

About a week ago i received a letter from chase notifying me that they determined that i was responsible for those charges after their investigation. i called back immediately as i do not understand how such decision was made. i was told that they had obtain evidence from the merchants that i was responsible for those charges and ask me to provide evidence that i did not make those charges. This is really frustrating as i called Chase right away and was assured that i won't be responsible. Now three months later when i returned from XXXX and impossible for me to produce any corroborating evidence of the theft, they now tell me that i'm responsible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened an account with this company. This reporting is inaccurate and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past few weeks, I have sent two separate letters to Portfolio Recovery Associates asking them to validate a collection they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of this account supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. 

Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. 

I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. 

Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. 

I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. 

The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. 

Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.
Product: Debt collection

I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to address the recent misreporting of the XXXX late payment status on my Flexible Spending Credit Card account XXXX This misinformation is negatively impacting my consumer file, which is concerning and violates fair reporting practices. 

I understand that unforeseen circumstances, including the loss of both my credit card and mobile phone at the XXXX XXXX, contributed to challenges in accessing my Capital One account and making timely payments. Despite these difficulties, I promptly communicated with Capital One and made a payment of {$52.00} on XX/XX/year>, within the expected timeframe. 

To resolve this issue and restore accuracy to my consumer file, I request the following actions : Correction of Credit Report : I urge Capital One to correct the misreported XXXX late payment status on my credit report to accurately reflect my payment history during the period in question. 

Waiver of Late Fees : Given the circumstances described, I request the waiver of any late fees associated with the reported late payment. 

Enhanced Security Measures : I encourage Capital One to enhance security protocols and customer support procedures to assist customers experiencing similar challenges. This includes improving account recovery processes and implementing robust security features to prevent unauthorized access. 

Notification of Resolution : Please provide written confirmation once the corrections to my credit report and any fee waivers have been processed. 

It is crucial to rectify these inaccuracies promptly to ensure fair and accurate reporting. I appreciate your attention to this matter and trust that Capital One will take the necessary steps to resolve this issue expediently. 

Please contact me at your earliest convenience to discuss further or if you require any additional information to facilitate the resolution process. 

Thank you for your prompt action in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt written off as a loss and when I requested the 1099-C I was advised the debt was also sold to XXXX XXXX XXXX yet this debt is still being reported to my credit as owed to American Credit Acceptance .