23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We were notified of a debt owed to XXXX via IC Systems. We called XXXX and resolved the debt on XX/XX/year>. According to XXXX, they then reported the debt as paid to IC Systems on XX/XX/year>. IC systems refuses to remove the collection from my account and is now asking for more money. I have spoken to both XXXX and IC Systems a dozen times about the issue and they both claim it is the other companies problem. Attached is proof the debt was paid and an accompanying credit because they wrongfully overcharged us for equipment.
Product: Credit card or prepaid card

American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XX/XX/2022 I applied for American Express Gold Card 2. I was electronically denied for a credit card 3. I received an adverse action on Tuesday XX/XX/2022 letter stating that I was not approved 4. I called American Express and they informed me that I would have to contact XXXX directly Pursuant to federal law, title 15 Chapter 41, there are statues that inform me that as the original creditor I should not be denied an extension of my own credit
Product: Credit card or prepaid card

I recently signed into my XXXX credit card account and noticed an offer for a credit line increase. Although in the fine print it stated they may need to access my credit report when considering the request, nowhere did it mention they would be conducting a hard pull that could impact my credit score. I was not required to check a box agreeing to the terms and conditions ( which I mistakenly assumed was because my request only required a soft pull that would not impact my credit ). As a consumer, I expect more transparency in these types of requests, especially when the outcome can affect future applications for credit and/or other financial offerings.
Product: Credit reporting or other personal consumer reports

Dispute requested multiple times. My account is missing payments from my report therefore marking account late. Was not 30 days late for XX/XX/XXXX, missing payment on credit report. 
-not 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
-Payments reported on wrong months. 
- was 30 days behind for XX/XX/XXXX and XX/XX/XXXX. 
- have proof that they only sent me late notices for XXXX and XX/XX/XXXX. 
-Company changed names late XXXX. 
-Paid twice some months. 
-Was late XX/XX/XXXX, paid in XX/XX/XXXX and made XXXX payments online in XX/XX/XXXX. 
-Monday, XX/XX/XXXX. Requested letter stating months I was late, she stated she would get back with me but no response.
Product: Money transfer, virtual currency, or money service

I requested a funds transfer from Amex bank to XXXX XXXX XXXX XXXX on XX/XX/XXXX to be available on XX/XX/XXXX. The funds were not transferred till XX/XX/XXXX. I was charged {$12.00} by XXXX XXXX XXXX for insufficient funds.
Product: Mortgage

The servicer response to my previous complaint was inaccurate. The issues I am facing have not been addressed and although a new HAMP XXXX is on file with the servicer - Bank of America, the foreclosure sale scheduled for Tuesday, XXXX XXXX 2015 has not yet been cancelled even tough all the required documents have been verified as received and uploaded for review. The red tape and servicing mismanagement has not changed. Before the XXXX XXXX was even acknowledged or decided, another foreclosure sale was scheduled. Also, the XXXX dispute letters I submitted via certified mail have never been acknowledged even though I know from the green certified postal return receipt card that they were received and signed for. I am not getting a fair review of my mortgage modification requests even though HUD counselors have advised me I am eligible for XXXX or more of the programs available for homeowner relief.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.
Product: Mortgage

I had a mortgage with XXXX  XXXX XXXX and had taken a forbearance during XXXX in XXXX of XXXX. 
I began a repayment agreement with XXXX XXXX XXXXXXXX in XXXX. 
XXXX XXXX  XXXX sold my loan to shellpoint mortgage and i continued with the same payback program that i had set up with XXXX XXXX XXXX. The agreement was that I would pay XXXX $ plus my regular mortgage for the next aproximately XXXX $ to be paid off by end of XXXX When i went to check my credit in XXXX i found that Shellpoint mortgage company was reporting that i had not paid, was not paying and in was in severe credit reporting to the credit companies. 
Can some one please help me clear my credit up. 
I have the original agreement and the payment schedule showing i was paying XXXX $ each month starting back XXXX. 
I. need some help as this new mirtgage company has destroyed my credit when i was really struggling to pay my mortgage plus an additional XXXX $ a month. 
Thanks. XXXX XXXX XXXX
Product: Credit card

I have been a customer of Chime for quite some time and have generally found their services to be excellent. However, I recently experienced a significant issue that I believe requires attention. 

There appears to be a glitch in the system that resulted in a charge of approximately {$3500.00} on my credit builder account. When I initially opened this account, I was informed that there would be no fees involved and that overdrafts would not be possible. I utilized a feature called " XXXX XXXX '' to help build my credit, which was marketed as a no-fee service, similar to the credit builder account. 

Unfortunately, I have recently received notifications of charges that seem to be for this credit builder account. Upon contacting customer support for clarification, I was advised that I should have activated the " XXXX XXXX XXXX '' option in order to manage the debt. However, the payments were being deducted from my paycheck through the XXXX XXXX feature, which I did not expect to lead to this situation. 

The customer service representatives informed me that there was no resolution available and that I needed to contact my credit card company instead. Additionally, my credit builder account was shut down without prior warning, leaving me without a physical card for transactions, such as refueling my vehicle. 

This experience has put me in a challenging position, as I have always found Chime to be a dependable banking option until this incident. It is concerning that I was unable to receive support from representatives who could offer assistance, and the lack of transparency regarding account balances has contributed to my frustration. I hope this issue can be addressed effectively to prevent similar situations for other customers in the future. Thank you for your attention to this matter. 

Currently, there is no functionality within the app or online platform that allows users to verify their account balance. Instead, users receive periodic emails stating the amount they own, which appears to increase even during periods of inactivity. This lack of transparency can be concerning and may warrant further investigation to enhance user experience.
Product: Debt collection

I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live. Also I asked the Bankruptcy to be removed stating that the FCRA states UP TO 10 years not the entire or exact 10 years it has to stay on my credit reports. It has been 9 years and 8 months. I'm a XXXX veteran and I suffer from XXXX and this is very bothersome for me at this time in my life.
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, Cashapp failed a take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

CENTRAL FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX $ XXXX # XXXX OPEN XXXX HAVE NUMBER OF TIMES REACHED OUT TO THE ABOVE CONSUMER TO MAKE THEM AWARE THAT THIS ACCT IS NOT MINE AND NEVER BEEN TO THIS MEDICAL FACILTY. IF NEEDED I WILL FILE AND TAKE CHARGES AGAINST THIS MEDICAL COLLECTION IN NOT TAKEN OFF MY CREDIT REPORT. 

THANK YOUXXXX XXXX
Product: Mortgage

End of XXXX I notified tax XXXX I was not receiving the homeowners exemption I was to receive. It was rectified and they went back XXXX XXXXears and submitted a reimbursement. XXXX XXXX advised they sent to New Rez a check XXXX XXXX, dated XX/XX/XXXX, in the amount of {$8200.00} for multiple parcels including mine, check was cashed on XX/XX/XXXX. My refunded amount was {$240.00}. I contacted New Rez XX/XX/XXXX regarding this refund and was told they were requesting the information and I should hear a response by XX/XX/XXXX. Called XX/XX/XXXX and was told they were going to contact the XXXX XXXX and I should hear around XX/XX/XXXX or sooner. On XXXX called New Rez and talked to the escalation team and was told they saw my refund amount and was going to check with the refunds department. I should hear back by the end of the week or by beginning of week XX/XX/XXXX. XX/XX/XXXX called New Rez and was told they didn't see any action on it and I should call back in XXXX weeks. They have had my money since XXXX and I'm stilling waiting for them to refund it. I am in the process of cancelling my escrow account as they refunded {$1000.00} because I had to much in it ( I make extra payments to ensure I'm covered ), but then said my house payment was going up because I would not have enough in my impound to cover my tax and insurance! I think I can manage it better than that and pay this on my own. Please help!
Product: Credit card

XXXX advertises that if you apply for their credit card you will " earn '' XXXX free stay nights. You must meet certain conditions. I met their conditions, but they did not notify me that I was now eligible for my XXXX free night stay. Instead, I contacted them to find out about how to use my nights and they said " they have expired. '' It was not something that was free - I had to earn it - yet they did not properly give me the opportunity to use what I had earned. This is fraud. Gift cards can not expire in California, why are they allowed to let my earned award expire?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I received a Vanilla Visa prepaid debit card as a gift. When I attempted to use the card to make a purchase on XX/XX/XXXX, it was declined by the merchant. This was the first and only time I tried to use this card. When I returned home from college for the summer, I looked into why the card did not work when I tried to use it and found the balance was XXXX. The reason for this was because there was a purchase made on XX/XX/XXXX, in the amount of {$100.00} from a XXXX user. I did not recognize this purchase nor did I authorize the purchase so I contacted XXXX and Vanilla Visa Gift Cards on XX/XX/XXXX. The representative I spoke with from Vanilla Visa Gift Cards emailed me a dispute form which I completed and returned via email the same day. The resolution I had indicated on the dispute form was a refund check. However, on XX/XX/XXXX, I received a replacement card in the mail instead of a check. I called Vanilla Visa Gift Cards on XX/XX/XXXX, and spoke with XXXX who said a check would be sent in 7-10 business days and provided me with case number XXXX. I still have not received a refund check.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : FLAGSHIP CRD : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Mortgage

I sent a payment electronically of {$75000.00} through my checking account. 
It was received by Caliber Home Loans on XX/XX/22. 
Instead of applying the XXXX mortgage payment of {$1700.00}, they applied 3 months of mortgage payments and the remainder in a " suspense account '' instead of applying to our principle. 
When I called on XX/XX/22 & spoke to XXXX in the resolution dept., she said this was to be corrected by then end of the week. Instead they then applied {$9900.00} and to the next 5 months mortgage and the rest is somewhere in limbo! 
I called again on XX/XX/22 and spoke to XXXX, again this rep said it was to be corrected immediately, one month mortgage payment and {$73000.00} towards principle. 

Again this morning I sign on, and nothing has been corrected. 
Isn't this a misappropriation of funds!?
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 )

( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Debt collection

My boyfriend received a court summons for my debt from the collection agency. The medical office to which I went was for me only and the insurance and guarantor information was for me. He was listed as an emergency contact. They are suing both of us and we both received summons separately for my debt that is owed.
Product: Credit card or prepaid card

This is more of a concern than a complaint against American Express with employees who intentionally misrepresent of payment due dates, past due dates, and possibly back-dating communications sent to card holders to substantiate their action. As of this writing, I do not know if American Express has already filed reports to the three credit bureaus because I was past due by 1 day - which American Express could elongate to 2 or 3 additional days ( since it takes between 24 to 36 hours to post a payment ). Apparently, charges are also frozen until this payment has posted. The last phone conversation was with an American Express employee who explained that I had such a good payment history in the past so that is why I have never experienced this sort of treatment before. And to that I replied something along the lines of I need to stop using my American Express card and figure a way to pay off my remaining balance. The customer representative was glad to say " good bye '' and I think I would too be happy to say good bye to American Express as well after 30 years.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an official dispute regarding inaccurate and unauthorized information that has recently reappeared on my credit report after being properly removed. I am writing to demand the immediate correction of these erroneous entries, and I am prepared to take legal action if this matter is not addressed promptly. 

The following accounts, which were previously removed from my credit report, have been added again without justification : XXXX XXXX XXXX : A closed account showing a balance of {$900.00}. 
XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  : A closed account showing a balance of {$3100.00}. 

Additionally, the report reflects late payments on my XXXX XXXX XXXX XXXX account, which has been closed for some time. These late payments are inaccurate and damaging to my credit. 

Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure the accuracy of the information on my credit report. Re-inserting previously deleted accounts without providing any formal notification or validation violates the FCRA. Further, continuing to report false late payments damages my financial standing and reputation. 

I demand that you : XXXX. Immediately remove the XXXX XXXX and XXXX XXXX accounts from my credit report as they were closed and already removed previously. 
XXXX. Remove all inaccurate late payments associated with my closed XXXX XXXX XXXX XXXX account. 
XXXX. Provide me with written confirmation that these changes have been made within 15 days of receipt of this letter. 

Failure to resolve this issue promptly will leave me with no choice but to pursue all available legal remedies. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as initiating a lawsuit for damages caused by your reckless and negligent handling of my credit report. 

Please consider this your final warning before legal action is taken. I look forward to your swift response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : Balance : {$0.00} No. of Months ( terms ) : 17 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX, XXXX XXXX XXXX NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Date Last Active : Date of Last Payment : Two-Year payment history Month 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this company has provided no proof but still reports incorrect in complete information on my report please remove XXXX  and XXXX have removed this account due to incorrect information