23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

CFPB Previous complaint # XXXX Still not received the refund yet as their Balance Transfer debt is closed due to corona virus. Please see attached letter mailed but no answer yet. 
On XX/XX/2019, I called and requested a Balance Transfer to American Express card to transfer the balance from XXXX XXXX   credit card to American Express credit card in the amount of {$3600.00} plus {$100.00} which American Express has charged on my Credit card Account to pay off the XXXX XXXX Credit card.Until this day today till present XXXX XXXX  XXXX has not received the payment from American express yet. American express claims that they received the payment but need third party verification I did all I could do on my end by calling both the banks every day XXXX have been almost every day calling both the banks to resolve this payment issue but both the banks are not willing to resolve this payment issue. Now I owe the same balance on the both credit card accounts in which case XXXX XXXX should have received the payment or should have cleared the payment.I told the American Express to put a stop payment on the check that they issued and I would like to dispute this charge {$3600.00}. plus {$100.00} fee because the balance transfer was never completed.in other words the balance transfer payment does not appear on the other account. Every time I call American express they tell me to call union bank and both of the banks are of no help no. At least one of the bank has to give me refund for these amounts {$3600.00} plus {$100.00} fee back and American express is telling me that now I lost this money I can not get refund but the Balance Transfer to XXXX XXXX  was never completed.I need a solution and my rights that How can I recover my money back from American Express in full. my Credit report even shows balances on both the cards. I need a fair and justice decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has committed friad by opeing a credit card that they refuse to take off my credit report, i have sent valid information including documentation showimg im a victim of identity theft i do have an attorney hired to sue XXXX XXXX, their representative has failed to properly take care of this situation, i have informed her of my situation, ignored, i am a Victim of identity theft i am now in a legal process because of her actions her name is XXXX for customer advocacy and wouldnt even return my calls, i will use this information amd give this attorney if mot resolved by XXXX XXXX, they have used my information ot establish this account with out my permission i gave an amount XXXX to settle for damages and have this removed i will send the cooy of the agreement i signed so XXXX XXXX can and will tkae me serious, XXXX XXXX has open this fraudulent account and has forged my signature on this account, i will sue XXXX XXXX  for negligence and for compromising my information and using my information fraudulently and take my complaint seriously and do not ignore this statement of facts, your rep has for this to the point of being rude and unprofessional now I have a settlement amount and my request now please honor this complaint and my reason I did not open this accident
Product: Debt collection

Since this loan was with XXXX ( obtained online ), XXXX did to send any final letter to my current address to settle the debt. Instead, XXXX sold this debt to a debt collector ( National Credit Adjusters ). I asked NCA for a validation and deletion of debt pursuant to FCRA 15 USC 1692g from NCA through several mailed physical letters and phone calls. I also reached out to XXXX to settle directly which they rejected. As they sold the debt, I asked for form 1099C and they transferred me to NCA. NCA said they would mail me a 1099C but have not at all. They instead put my account as a closed account with the credit unions XXXX XXXX XXXX XXXX XXXX XXXX and refuse to cooperate with forms and documentation needed to validate debt sold to them.
Product: Checking or savings account

I used the ATM to make a deposit and the ATM didnt want to accept the bill I put in so it said it would return the money. However, the money never came back out and the transaction ended. So I used the machine a second time to see if my deposit was in my account and it was not. 

There was no number on the ATM to call for help so I called the customer service number for the bank. The first man I talked to left me on hold for an hour and eventually hung up on me. While I was on hold with the first representative I called again from another phone and that representative said there wasnt even a record of me using the ATM twice to access my account. They had no idea who even manages that ATM machine. She said they would start a claim and let me know what happens. 

Meanwhile this is causing additional fees to accrue on my account, my account is stuck in the negative and I cant even use it because of this. Also, I dont trust them to give me credit for my deposit now because they dont even have a record of me using the ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Product: Debt collection

1st call XX/XX/2020 - I received a voice mail on a business voice mail from XXXX XXXX w/ this " supposed company '' ( XXXX XXXX XXXX ). I found the message very rude ... .intimidating and threatening by using verbiage like 'local county processor ', 'mediators ' and 'time sensitive ' and the forcefulness in her voice. I spoke to a female, who would not let me get a word in, then transferred me to the " attorney '' XXXX XXXX. 
He was extremely rude & threatening. He would not let me say much of anything, constantly talking over me. The supposed debit is over 10 years old. I haven't lived at the address they gave for me in at least 15 years. 
2nd call XX/XX/2020 - Message left by XXXX XXXX, same as described above. 
3rd call XX/XX/2020 - XXXX XXXX. Same as above.
Product: Bank account or service

As a Pnc bank customer, I responded to a promotional offer which was to deposit {$300.00} in my account if I agreed to open the virtual wallet account with a {$5000.00} deposit. The bank representative, located at the Pnc XXXX branch on XXXX XXXX in XXXX, VA, did not give me paperwork or written materials on the offer, which was sent to me as an existing customer via email. So I opened the account, met the conditions as outlined but never received the {$300.00} promotion consideration. When I filed a formal complaint with Pnc bank I was told I did n't meet the conditions. I asked for an explanation of what conditions I did n't meet from the bank in writing. I 've never received anything in writing. The bank assigned someone to investigate my complaint. I have called this person at least half-a-dozen times. They 've never gotten back to me. That 's where it stands today. I do n't hear anything from Pnc bank.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Midland Funding has taking me to court and continuously updated my credit with negative information. I have sent them 2 letters asking them to validate this debt in which they have not sent the information requested. I have spoken to them on the phone, in which I have the recording, asking them to validate this debt with a signature showing I have a contractual agreement with them and they 've responded verbally saying they do n't have that informatiom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian and XXXX six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to XXXX  that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, XXXX  refuses to honor and respect my medical condition and have these XXXX  balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Product: Checking or savings account

I originally set up a CD account at XXXX XXXX. It was sold to Axos in late XXXX  's. Since then it has been dormant, probably because they have an old address. I simply want to take the account out of dormant status, and update the address. I have used the chat function, and called three times now. I sent requested documentation three times now to XXXX. Everytime I call, I have to start from scratch, and no one actually does anything. In our final attempt, my husband called. They verified 4 pieces of information and kept him waiting on hold for XXXX minutes. Then the representative came back on the line and said he wouldn't speak to him any more. I don't know if this is just bad customer service, or if they are playing games with us. I don't even want to make a withdrawal. I simply want to ensure the account is not escheated to the State. Please see attached documents for my correspondence with Axos. Note : I am attaching ALL REQUESTED documents. Please do not ask for them again.
Product: Payday loan

Castle Payday Loan Inc. sent me what looked like a solicitation for a Payday loan via the USPS on or about XXXX XXXX, 2015. After contacting Castle, it seems that the solicitation was an attempt to collect on a Payday loan, which i canceled more than three years ago and for which interest continues to accrue. They also refused to provide documentation supporting the alleged debt.
Product: Mortgage

For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint. 

Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

ExperianXXXX XXXXXXXX XXXX shes XXXX accounts incorrectly, the other bureaus have the info right but Experian does not. It shows my XXXX XXXX XXXX account that was charged off reported on XXXX of XXXX and then reported a 180 day late payment on in XXXX of XXXX. This is XXXX YEARS AFTER the charged off date. The debt was charged off by the company we can not make payment to them and therefore its impossible to have a late payment with no balance. They are also showing a balance on the charge off. It shows XXXX charge offs on XXXX account- it can not be charged off every month for 43 months only XXXX charge off can happen and it shows still open which is also inaccurate This is Re-aging of my credit and it illegal. 

In addition ExperianXXXX  XXXX XXXX was charged off on XXXX of XXXX. It wil In our XXXX XXXX XXXX and Experian is showing it suddenly charged off in XXXX of XXXX this is also incorrect and shows a balance. A balance is not possible after a charge off as its been written off by the creditor. The account was closed after the charge off and experian kept reporting it. This is re-aging of my credit and is illegal. 

This has dropped my score over 100 points. Experian is famous for reporting in accurate information. They need to fix it immediately. Its ruining my ability to buy the house we are under contract for. If its not fixed I will file a lawsuit. I have bankruptcy docs to send but CFPB says to not show some of the personal info on the docs. The screenshots below are from the experian site/credit report,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I have old stuff on my credit report and have went different companies to get it all removed, but nothing happened. I have stuff on my credit report from over 10 years ago or longer.
Product: Vehicle loan or lease

I was told by the dealership that the overage mileage would be waived if i leased a new car. Honda waive some of it but not all. I told that to Honda however they went ahead and charged off my account. So i went ahead and paid the balance. However the charge off is still on my credit account.there has to be some accountability of what dealerships will promise in order to get you into a new car and what the car company will keep to. I have heard the same horror stories from many friends and family. There has to be substance not just fluff
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent from my credit report as soon as possible.
Product: Credit card

I disputed a charge on my credit card because the service I received was not adequate. Specifically, I had some dress pants dry cleaned and when I received my items back, they were damaged. The dry cleaner offered to dry clean them a second time but that wouldn't repair my damaged pants. As such, I placed a dispute with my credit card company. 

After nearly 2.5 months after I filed my dispute, Discover, the credit card company found the transaction to be valid and closed the dispute. However, I did not dispute that I had engaged in the transaction. I disputed the quality of the service I received. Moreover, I was never contacted by Discover to provide any additional information or details on the dispute before they closed the dispute. Finally, in the resolution email I received from Discover, they stated the following : Please contact the merchant or manufacturer directly for questions about : Inconveniences Disagreements with the merchant 's stated policy Rebates/Reimbursement requests Manufacturer 's warranty Promotional offers Incidental damages related to the purchase Unrecognized in-person Chip transactions None of the above applies to me and I could have told the disputes agent such if they had made contact with me.
Product: Credit reporting or other personal consumer reports

CFPB Complaint to TransUnion Subject : Violation of FCRA & US 15 1681e Compliance Procedure - Address Reporting Dispute Dear CFPB, I am submitting this complaint regarding an inaccurate address reporting on my TransUnion credit report under the name XXXX XXXX. This name is a misspelling of my legal name, XXXX XXXX XXXX, and I have no association with the addresses being reported under this incorrect name. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and US 15 1681e Compliance Procedure, which mandates the accuracy of information reported by credit bureaus. 

I have previously disputed these inaccuracies with TransUnion and provided supporting documentation, including a police report filed due to fraud, as these addresses are connected to fraudulent activity. Despite this, TransUnion has continued to report the incorrect information and marked the addresses as verified. 

I kindly request that TransUnion immediately remove all incorrect addresses associated with the name XXXX XXXX from my credit report and comply with the FCRA and US 15 1681e regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX