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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I never open an account with these companies and I believe the accounts are fraudulent : 1. XXXX XXXX- an account was open on XX/XX/2016 for amount {$1400.00}
Product: Credit card

Chase had an offer in their " Chase offers '' section for XXXX XXXX credit card which was supposed to give {$100.00} cash back on a {$500.00} or above purchase made through Chase Travel portal before XX/XX/XXXX. I activated this offer on my credit card in XXXX and made a purchase of {$570.00} on XX/XX/XXXX. As per the terms of the offer, the credit was supposed to post as a cash back to my account within 14 business days. However, this has not been credited to me yet. 

I called them on XX/XX/XXXX to check on the offer but it wasn't yet 14 business days, so they confirmed that my purchase qualifies and asked me to wait which is understandable. So I called back on XX/XX/XXXX and they created an escalation to follow up on the offer. They confirmed again that the purchase qualifies and that the cash back should have posted. They asked me to wait for 5-7 business days. But again, I didn't receive the credit. So I called again on XX/XX/XXXX and they told me that the marketing department had not commented on it and they said they escalated it again with higher urgency and to wait another 5-7 days. So I called again on XX/XX/XXXX and then on the XXXX and got the same response. At this point, I have waited far too long and called too many times without any resolution and the same response from Chase customer service saying that they have escalated with higher urgency and I should get a response in 5-7 days. But I no longer trust them to get back to me.
Product: Vehicle loan or lease

My maturity date for my car loan contract with Santander was XX/XX/XXXX. I was 90 days from completing the contract and discovered a closing balance of {$5.00}, XXXX ( less {$1500.00} for 90 days ). This was extremely high to me as a closing amount. The company Santander never contacted me prior to nor after the " Charge-Off '' for the loan amount of {$6800.00} on the vehicle. Prior to learning this, I had written the company XX/XX/XXXX with a settlement offer of {$2500.00} to be paid in installments within 3 months. Without a debt validation letter from Santander, because of interest/principal payment amount questions needing answers from Santander, and the XXXX loan interest ( 18 % ), this would be fair to both parties. The company ( Santander ) only responded with a Notice of Repossession. I forwarded a second certified letter on XXXX requesting a reply to the settlement offer. Still no response from Santander. I finally contacted Santander via telephone XX/XX/XXXX & XXXX and spoke with a " XXXX '' in the collections department who advised Santander would accept a settlement offer of {$2700.00} within XXXX days of agreement. I advised this agent that this amount was acceptable, but I would need to see and read an electronic or hard copy of the agreement before I would verbally agree or sign off. The agent advised me that she could not forward the agreement unless I verbally agreed during this phone call, and paid the full amount within XXXX days. Because of previous issues with Santander, I advised the agent I would not agree to any contract that I nor my legal representation had not reviewed. She again advised Santander would not permit me to review the settlement agreement and repossession could occur at any time. I felt this was an attempt to pressure and bully me into an obscure contract without my full knowledge of the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX. 

XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Coinbase has not been able to resolve the issue of me being locked out of my account for 2 months now. I 've provided all the information required and they still ca n't confirm when I 'll have access to my account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine
Product: Debt collection

Received a letter written on XX/XX/XXXX stating that I owed a debt to ( PCI ) ProCollect Incorporated ( XXXX XXXX XXXX XXXX  ) in the amount of {$120.00}. Answered an incoming call from PCI on XX/XX/XXXX. Advised phone representative after I validated identity on a recorded line that I did not want to receive any more phone calls and all correspondence going forward I wanted in writing. On today, XX/XX/XXXX, I went on to PCIs website to dispute the charge electronically. Received another call today on XX/XX/XXXX at XXXX XXXX from yet another PCI associate attempting to collect the supposed debt of {$120.00}. I asked the associate if she saw the dispute that I submitted online. She responded by saying that what I submitted previously was unacceptable to file a dispute. That was an outright LIE because I NEVER submitted ANYTHING to PCI previously. I also mentioned to her that I had previously asked that all correspondence be in writing. She ignored me at just kept on talking trying to collect. I then asked to speak to a supervisor. The collector then responded by saying, this is not a supervisor matter and all I am concerned about is collecting payment Clearly CLEARLY my legal rights were violate and I would like for the CFPB to pursue legal action against PCI.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I printed my free credit reported and noticed several fraudulent accounts opened and reporting information that I did not sign up for. I immediately reported the fraud to XXXX XXXX and created a report. The theme with the fraudulent accounts is they were all opened online during the pandemic. 

Listed below are fraudulent accounts and inquiries. 

1. XXXX  XXXX - {$730.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 2. XXXX XXXX XXXX  - {$480.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 3XXXX - {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 4. XXXX - {$2200.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 5. XXXX XXXX XXXX- {$1500.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Hard Inquiries : 1. XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired XXXX, XXXX 3. XXXX Inquired  XX/XX/XXXX 2021
Product: Debt collection

I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.
Product: Money transfer, virtual currency, or money service

It is an ongoing problem with PayPal. They keep freezing or making it impossible to send my money I have earned through XXXX. The latest is last month they asked for id and social security card, which I gave, as PayPal said to resolve account, yet one month later, still can't get or send my money. 
PayPal has done this to me at least 3 other times
Product: Credit card or prepaid card

I received a bill from HSBC Master card for charges incurred from XXXX XXXX XXXX, 2020. I found that I had been charged {$2300.00} for purchases made via XXXX ( see attachment ) from individuals in California. I live in Illinois. I called HSBC and disputed the charges. They sent me a letter dated XX/XX/2020 denying my claim ( see attachment ). I called again on XX/XX/XXXX, but could not get through to an operator. I called again on XX/XX/2020 and appealed the denial, requesting a new investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus Experian, XXXX and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored.

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I noticed a note on my TransUnion dashboard provided via XXXX XX/XX/XXXX that and authorized user had been added to my XXXXXX/XX/XXXX This is an error ( not created by me ) and from that time forward I have been struggling to get them to explain why this appeared and when I spoke with them they next dropped my score again and completely removed my XXXXXX/XX/XXXX from my credit report They will not explain or admit an error and in spite of multiple attempts by XXXX to confirm that I indeed am an authorized user and my XXXX should show on my credit report - TransUnion will not fix it. 
The other two credit reporting agencies have my information correct but TransUnion did not. This is their error not mine but they will not fix it. 

I filled a complaint and never heard back from CFPB or TransUnion until I looked on your website today. The original complaint is XXXX. 

I am a XXXX XXXX XXXX woman with 30+ years of on time payments on that XXXXXX/XX/XXXX and I don't have enough lifetime to get that back on another card. My husbands credit score is XXXX with virtually the same credit history including our XXXXXX/XX/XXXX. Is it because I am a woman and I lived through the time where women couldn't even get a credit card and lenders differed to the man not the woman in a joint borrowing situation. 
I am at a total loss. All I want is my credit score to be accurate and include my history.
Product: Mortgage

I filed an insurance claim for damage to my home and the check was made to myself and my mortgage company. I have been in touch with 21st century mortgage several times in reference to getting the check dispersed. We finally settled on an agreement that if I caught up on my mortgage they would surrender the check to me so I can make repairs. I have caught up on my mortgage, but now the company is saying that I have to purchase all the materials needed to make the repairs and pay for the repairs then submit receipts before they will give the check to me. I can not afford to do this. I need the check to purchase the materials and pay for the repairs. It is extremely urgent that I get these funds to repair my roof. A company representative told me that once I caught up on my mortgage that they would send me the check, but now they are saying no. I need to make the repairs first. It is very disappointing and frustrating that the company is holding my insurance check as they have never paid a payment on my house insurance, I have always paid it myself! In addition, I have several other issues with this company. My mortgage originated XX/XX/1995 with XXXX and then it was sold to 21st mortgage. I have had this mortgage for twenty-one years. And the original amount financed was {$51000.00}. I have had this mortgage for 21 years. The annual percentage rate was 8.75 % and the monthly payment was {$420.00} We have paid over $ XXXX towards our home and the company is refusing to send me the payoff amount. When I asked for the payoff the representative said she would send it, along with the contract. However, I have yet to receive either. I would like an explanation of why I have n't received the pay off or contract. As well as, an explanation of why I have to pay so much on this mortgage. I have paid almost three times what my home is worth. I was young and trying to get started with my family and I was completely ripped off by this company. I did n't know any better, but this was definitely a case of predatory lending and I hope that it is not to late right this wrong. I have a child in college, XXXX XXXX child living at home, and XXXX child that is finished with school and I am tired of struggling. I would like to be able to help my family, but 21st mortgage is trying to bleed me dry financially.
Product: Money transfer, virtual currency, or money service

Venmo had suspended my account late XXXX. They had not provided me a reason as to why. I have several XXXX dollars that they froze and are not allowing me access to. They told me they will investigate it in 3-5 business days. It has been nearly 2 months of me reaching out every week and them neither providing me a a reason nor timeline for resolution. I am frustrated as a speak for all low income Americans that a few XXXX dollars can make all the difference in paying of credit cards on time and not having a financial melt down. This is extremely predatory taking several XXXX dollars from those who can not afford it, keeping it and likely collecting interest on it, and not providing adequate communication as to why. This behavior should be illegal and regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. XXXX  has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.
Product: Debt collection

XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022, I was looking for tickets on XXXX  for a concert from a reseller for a reasonable price. I contacted this profile XXXX who states that she had XXXX resell concert tickets for a reasonable price. I told the reseller I was only interested in XXXX of the concert tickets and she agreed to sell me the XXXX concert tickets. In total the concert tickets are {$270.00}. The reseller send me the ticket confirmation and named her priced which I agreed on. She then send me her Zelle gmail XXXX and her zelle name XXXX XXXX for we can arrange the payment. I then, send {$1.00} to the reseller to see if the payment went through and I send her a screenshot as a confirmation that my {$1.00} went through. The reseller agreed that my {$1.00} payment went through and I agreed to send the rest of the payment which was {$260.00}. I then send the rest of the money through send to her gmail account and send her the confirmation that my {$260.00} was send to her Zelle account. The reseller then said she could only send her XXXX concert tickets at a time, so I agreed to purchase the fourth ticket. I send the reseller an additional {$90.00} to her Zelle account, I send confirmation of my payment to the reseller and after the reseller confirmed my payment I was then blocked and I didnt receive the concert tickets. I send the reseller money through my checkings account and in total I lost {$360.00}.
Product: Credit card or prepaid card

On my birthday XX/XX/2022 I last used my credit card in question. I didnt realize I had lost the card until about a week later, when I realized a charge for XXXX was made on the card. I quickly called my credit card company ( Truist ) and made them aware of the fraudulent activity. As I was on the phone with them I looked through my belongings and realized my card was no where to be found. Truist opened a claim and denied it. I called them back and they stated that I am not able to appeal the claim and that the reasonings as to why my claim was denied would be sent to me via mail. I looked through my options and how to move forward with this and came across CFPB, hoping that they would be able to assist in this horrible incident. I am paying for a charge I did not make on my lost card.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me. Details of Complaint : The debts listed on my credit report are not mine. Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt. Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days. The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them. Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports. Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt. o A complete payment history, including the original creditors name and address. o Proof of assignment or transfer of the debt ( if applicable ). 2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i. 3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. I appreciate your attention to this matter and expect a resolution within the legally required time frame. Company information I HAVE REPORTED THIS NUMEROUS TIMES AND LET THEM KNOW THIS WAS NOT ME THAT MADE THIS ACCOUNT. They dont have any signature or did there investigation throughly. They are violating my RIGHTS AND IM NOW PROGRESS TO FILE A LAWSUIT AGAINST THIS COMPANY!