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

This company put it upon themselves to add a driver to my car insurance policy and now my rates are up that I can not afford. Based on a police report they assumed false information and did not ask my permission or ask me anything at all. I am trying to get this disputed and I have not been in reach with anyone because they dont answer their phone ( s ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to proper investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently within 24 hours stating the account is accurate. Without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, mandates a reasonable investigation of disputes.Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX I accidentally paid my Apple Card twice. The scheduled payment feature is unclear. It appeared like I was editing a scheduled payment, when in actuality I was making an additional payment. There was not warning pop-up saying, " are you sure you want to make XXXX payments on XX/XX/XXXX? '' or something similar. 

On XX/XX/XXXX I noticed that my bank account was now overdrawn which drew my attention to the scheduled payment error. I immediately contacted Apple Card Services over the phone and was told they could not issue me a refund on their end and to call my bank. I knew this was not going to resolve the issue but I called XXXX anyway. They said that it was on the vendor ( Apple Card ) to return the funds upon my request. I know it is possible for creditors to return funds to clients because something similar happened to me with XXXX XXXX  and they returned my money into my account the next business day. I then contacted Apple Card via the text feature the same day. This costumer service representative XXXX XXXX XXXX finally created a refund request for me saying it would take 3-10 business days. 

On XX/XX/XXXX I reached out again to get an update since I was not sent a confirmation email that a refund request was sent, so I had no evidence to confirm whether an actual refund request was made. I asked if this rep had any idea how long it would take to get refunded. This customer service representative ( Danielle ) told me that she saw a date of XX/XX/XXXX. 

On XX/XX/XXXX I checked my bank account and the previously confirmed refund was not in my account. I reached out again via text. Was transferred three times to different representatives after telling each of them that I was told I should have my refund by today, XX/XX/XXXX. I was ultimately informed that it would take up to 14 calendar days from the date of issuing the request, ( which I know is 10 business days. ) I asked if this was the company policy to take such a substantial amount of time to resolve costumer issues, this is not a small company, it is Goldman Sachs. To which I was told, " We are a pretty new card and differ from most card companies tremendously. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card XXXX XXXX XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear AMEX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : AMEX, dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my XXXX/Experian credit report. I called the original creditor to validate the claim and I sent a letter to XXXX/Experian. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from XXXX/Experian saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or XXXX/Experian verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report XXXX  XXXX ( {$2800.00} ) XXXXXXXX XXXX  ( {$2700.00} ) XXXX XXXX  ( {$0.00} ) Roundpoint ( {$0.00} )
Product: Mortgage

This is the second time this has happened. I filed a compliant in XXXX for the same issue. My payments were sent in. I even had my payment processing company ( XXXX ) contact the mortgage company : CHASE / WASHINGTON MUTUAL LOAN # XXXX PHONE NUMBER : ( XXXX ) XXXX. 

I paid {$570.00} to be paid on XXXX I paid {$500.00} to be paid on XXXX Both payments, confirmed mailed by XXXX on XX/XX/2020. On XX/XX/XXXX, these payments were still not reflected or deducted from the balance, with interest accruing on an incorrect balance due. All payments for the last 19 years have been to the same address, same loan, same 4-5 days mailing time line and they were processed in 3-4 days. Now these last few payments are being lost and/or taking 3-4 weeks to process and apply to the balance. They are accruing interest on wrong balances due to NOT applying my payments upon receipt. 

Again, this is the 2nd time in 3 months they have done this. 

Please call me with any questions ( XXXX ) XXXX XXXX XXXX Thank you
Product: Vehicle loan or lease

Throughout the term of my loan Wells Fargo has been charging additional interest and fees. My loan was paid off via my Insurance company XX/XX/22. Wells Fargo still proceeded to add interest and fees to this account. They also marked my credit report with negative marks even after the Loan was paid off. Throughout the term of this loan I have always questioned the interest rate and the fees. Please see the attached documents, I most recently had to pay Wells Fargo {$5700.00} in interest so that they will stop reporting this account to credit agencies.
Product: Checking or savings account

I have a car dealership and I created and account with Relay Financial Technologies Inc, funds were transferred to my account and I tried to wire money to a seller whom I was trying to buy a car from, the funds were returned and the my account has been held since then, they replied my email a couple times asking for more information which I provided but they did not get back to me since then.
Product: Credit reporting

Transunion has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Transunion ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX/XXXX ; XXXX/XXXX Also FALSE INQUIRIES should be Removed as well. Here are the following inquiries : XXXX/XXXX ; XXXX/XXXX ; XXXX XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to It that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!
Product: Mortgage

Filed by : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Complaint Filed against : Lakeview Loan Servicing , LLC ( XXXX ) XXXX  XXXX of XXXX id # XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX FL XXXX Complaint Description : Lakeview Loan Servicing , LLC ( NMLS # XXXX ) Cashed cashiers check and after stop pay was placed, checks were lost. I replaced payment XX/XX/2020 Post office lost mortgage payment & escrow short, sent notification Of lost payment to XXXX by phone & email to. Lakeview Loan Servicing , LLC ( NMLS # XXXX XXXX XXXX Compliance Department Director ) XXXX@lakeviewloanservig.XXXX   XXXX XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( fax ) Lakeview Loan Servicing LLC to reverse and back out those payment that had a stop pay by XXXX XXXX and refund those amounts of both cashiers checks. My house is currently under Refinance because they have caused so many problems not know what they are doing, I don't want nothing to do with them. They started buying my loan in bulk, not reviewing it to know that it showed {$950.00} and my mortgage payment to increase by almost {$100.00} per month. They had my loan 6 months before I knew about any shortage. I am a service connected veteran who is retired. I am on a fixed income and can not afford for this mortgage to make these kinds of errors. They shortage figure kept being incorrect, after 2 months and my payment being lost by the post office, they still never got the figures correct. This is the saddest operation that I have ever seen. I keep them involved regarding the entire process of when the post office lost my 2 payments. I gave them a signed affidavit from the bank the casheir 's checks were drawn on. They still cashed checks that had Stop Payments on them, even though I had replaced the mortgage check for XX/XX/2020. I don't expect my complaint to go away, I expect someone to take some type of action. This should have not occurred and gone this long.
Product: Debt collection

I reviewed my credit report and found a collections for Portfolio Recovery Associates. I disputed the account with the credit reporting agencies and Portfolio Recovery sent me a letter home sending documentation that included two statements from XXXX XXXX  with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either Portfolio Recovery nor XXXX XXXX  ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from Portfolio Recovery for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from Portfolio Recovery the forward-flow agreement they signed with XXXX  when they purchased said alleged debt. 

I also request Portfolio Recovery to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price.

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be XXXX  out, and deleted from Portfolio Recovery 's systems as well as XXXX XXXX, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a rebuttal to a previous complaint. 

i did not request to have collectors removed like you said in the last message ... did you even read what I wrote? 

I already did it myself!! What I want to know is how is it that I can remove items from my credit report but when i file a dispute with you all, BEFORE i tried removing them myself and you all rejected my dispute!!!
Product: Debt collection

They have called me more than XXXX times in just the last XXXX XXXX ( XXXX ) day of XXXX alone. They are in violation of the 7in7 rule and have repeatedly harassed me and have threatened to use the irs/1099c in order to receive payment. I have repeatedly told them to cease and desist all contact with me and have failed to do so. This has been going on for almost XXXX XXXX now.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Money transfer, virtual currency, or money service

Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information.

This verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages.

I have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal
is not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. 

Banking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer  data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. 

This same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. 

This complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me!
Product: Mortgage

I went to Chase Bank in XXXX where my Parents had their mortgage with and alerted them of elder abuse on my Father before he passed and now my Mother by my Brother and I let them know I have Power Of Attorney for my Mother ans gave them a copy and they in turn updated it to their records. I also let them know My Father had passed away and and showed them and offered a copy of my Fathers death certificate. They took him off the mortgage and called the mortgage now the Estate of XXXX XXXX. I also gave them paperwork of my Father signing approval for me to handle all his financial business with them meaning Chase Bank.They updated his approval application as well. I explained that I filed Probate on behalf of my Father and that my Brother was trying to sale the house from under my mother feet. I gave them a copy of the Probate petition with the case number they kept for their records as well. They allowed something to happen with the house like maybe a refinance or a pay off without informing me before hand and would not tell me what happen and allowed my Mother to sign off the mortgage for pay off without my knowledge. Making it harder to protect my Mother from further financial abuse of real property. The Bank did not use the Mandate reporting duties under the California law.
Product: Mortgage

XX/XX/XXXX I had a loan modification with XXXX XXXX. In XX/XX/XXXX XXXX played with the Escrow on my account and made me two moths behind and then sold my mortgage to Nationstar. I have sent information to Nationstar and I have corresponded with them many times. At one point on XX/XX/XXXX the person I had been dealing with sent me an email that stated if I paid XXXX payments I would be current. Shortly thereafter the person I was dealing with was transferred to another department ( XXXX XXXX the next person I dealt with who was my dedicated loan person I asked her to speak with XXXX and she said " she had left and if I wanted to stay in my home I would have to speak to her ''. I spoke with a supervisor XXXX XXXX and he was going to look into it for me. I spoke with another representative that stated that XXXX XXXX had in the notes that we had a three way call XXXX XXXX, Nationstar and myself XXXX. That did not happen at that point. So I called XXXX XXXX and we had a XXXX way call and we spoke with XXXX at XXXX. I asked her specifically what months I missed. She was going to research it and get back to me. She called me the next day and I had not missed any payments and she told me they adjusted my escrow which made me XXXX months behind. I called XXXX XXXX to tell him and left him a message that I had not missed any payments. Shortly there after I received a call from a XXXX XXXX from Nationstar that said that I was only to speak to her and only her and gave me her number, she said she understood it was XXXX that caused the issue and she would look into it. I still received collection calls from Nationstar and I tried to call XXXX XXXX and she would not return my call, I only got her voicemail. When a representative from XXXX called me, I gave her XXXX XXXX number and she did not know her nor would she contact her. Even though it was a Nationstar number. I have tried everything I know to rectify this and I can supply you with any information you need. I have also told Nationstar that I have a XXXX. I have lost sleep and constantly worry that I will loose my home. I now can not make payments online to Nationstar. I can supply you with copies of any month payments payments from XXXX or Nationstar. I am almost at the point of just giving up. When I first contacted Nationstar they stated I was XXXX months past due and that my payment was {$200.00} more a month then what it is but XXXX at Nationstar fixed that but representative still try to get me to pay {$200.00}. more a month even though they had a notice on their site saying that they have taken over my mortgage but nothing has changed. I do not understand how XXXX could play with my Escrow to make me XXXX months behind and not rectify it and I do not understand why Nationstar could not contact XXXX and get this corrected. Again, I can send you any month payment for XXXX or Nationstar that you require and I can give you any information you would need. Also on my credit report XXXX reports " no missed payments ''. which is correct. Thank you for your assistance.