23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$5600.00} NXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of Capital One account by requesting a balance and a signed contract or application making me liable for said account as allowed by the FCRA. 
Capital One failed to validate account with a signed agreement or application and continued reporting the account on all 3 credit bureaus. 
Capital One sent a letter dated XX/XX/2019 further stating that they could not send me a copy of application because they did not have a copy. 
They continued by apologizing for the inconvenience but yet continued to report the account to credit reporting agencies despite my request for the deletion of this account.
Product: Checking or savings account

I was sent an email on XX/XX/XXXX from American Express saying that I can earn {$350.00} cash bonus if I open a high yield savings account. It says funds had to deposited by XXXX XXXX. I opened the high yield savings account in my name and a deposit was made in the amount of {$25000.00} on XXXX XXXX. The money was held in the account through XX/XX/XXXX as this was one of the requirements. The bonus email was sent to my name and email address. I opened the savings account with that same name and email. I did not already have a savings account with American Express. I was not named on any other bank account with American Express. I called about my bonus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. All they can tell me is they will send the complaint to another department. Which they have said before and nobody has got back to me to tell me how I have not complied to get the sign up bonus.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to XXXX, XXXX, and TransUnion about the inaccurate information on my credit report. It's now well past the deadline, and not a single one of these agencies has bothered to respond. This blatant disregard for my rights is unacceptable. I demand that this account be permanently deleted immediately. It is an ongoing violation of my rights to keep reporting inaccurate information that doesn't match the records of other consumer reporting agencies. Your failure to address this issue, despite my repeated attempts to get a resolution and provide proof, is utterly frustrating and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/20 Balance {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Problem is with all 3 Credit Bureaus. XXXX, Experian and XXXX. Its Very Simple. When I make payments especially large payments, It does not reflect on Credit Utilization percentage. Say for example, I make a XXXX XXXX  payment ( I made XXXX XXXX XXXX payments in the last 2 years ) That Payment does not reflect on my Percentage Utilization. Or If I get a substantial increase in a credit limit with out charging on it, Lastly, On 2 or 3 separate occasions. I opened new Charge cards and with small charges on them also did not reflect on Credit Utilization. 

This Matter is hurting my credit score by al least 30-50 points. Causing me to pay much higher rates and denying me other credit cards. Lastly, Its Hurting me on Potential employment and future Mortgage loans Also One issue related to Credit reporting, is that I have had very negative report for more than 5 yrs. ( XXXX XXXX never sent a Statement to the right address for 4 long years ) even when I gave them my POB which has been my Mail address for 44 yrs. Under Banking law, I am Not obligated to continue payment if I don't get a statement.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 Amount in collections is {$380.00} On this day there was no XXXX XXXX to see anyone at the XXXX XXXX  so they gave  to XXXX and sent home. Notified them that no medical exam was received and have not been able to rectify this.
Product: Debt collection

CACH LLC over the past 10 years continues to send harassing letters after I send them legal Cease and Desist responses. I have also called and verbally asked them to stop and and all communications. It is such an old account that I had to ask them what it was? They do not even know what the debt was as it has passed down to several other agencies, companies and debt collectors over the past 10+ years. 100 % of my income is non collectible by law, I am XXXX  XXXX and on XXXX. But, in additon, the statute of limitations has run way out and I have made them aware of this. Each time they come back with the same account just under another 'new ' collection agency name, which I have kept record of. CACH LLC, XXXX XXXX, LVNV Funding, Resurgent Capital and XXXX. I am sending them another hand written letter back today with their letter enclosed. I am willing to prosecute them for harassment if this continues.
Product: Debt collection

XXXX XXXX was unresponsive when trying to cancel their services. After 11 months I realized the services that were promised were never delivered. They promise a home warranty service in which appliances and major issues within your home would be replaced if deemed to not replaceable. I had an issue with my AC and was told by one of their repairmen it would cost a lot of money to clean the outside vent. 
I was charged {$99.00} for the repairman to tell me I had an issue. 
If you see their reviews you will see that this company is a SCAM. 
After attempting to call their toll free numbers and waiting on hold for up to 6 hours, their number ( s ) would hang up on me. As soon as I placed a stop payment through my bank, I started to receive harassing phone calls. However, calling customer service is a nightmare if you are trying to cancel their service. Its as if they know that you are. 
The collection is now 3x the original amount. 
I attempted to cancel their service in XXXX of XXXX. 
Last ACH Debit was XX/XX/2021. 
The original amount bill was {$44.00} and now it is {$130.00} I should owe nothing. I was not on a 12 month contract. There was no contract signed. No cancellation policy in place or sent to me.
Product: Credit reporting or other personal consumer reports

I was in disbelief when I noticed inaccurate accounts on my credit report earlier today. I regularly check my credit, and everything was fine before, but now, these discrepancies showed up without warning. I even refreshed my browser, hoping it was just a technical glitch, but the errors remained. I am requesting a thorough review of my documents to ensure this never happens again, as its caused me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or  has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, American Express pulled my credit without my permission. American Express did not have a permissible purpose to access my XXXX  credit report. 

American Express claims to not have pulled my credit report any time in XX/XX/2019. I have attached a copy of my XXXX  credit report reflecting the hard inquiry from American Express on my credit report.
Product: Credit card or prepaid card

Due to Covid-19 my, son 's wedding ceremony in XXXX XXXX was cancelled. My wife and I cancelled our flights on XXXX XXXX XXXX and received partial refunds of {$6700.00} each for a total of {$13000.00}. 

These refunds were paid to our Citi AAdvantage Master Card on XX/XX/2020. A copy of that statement is attached. 

I had one other, unrelated charge on this account in the month of XXXX, in the amount of {$120.00}. So a credit of {$13000.00} appeared on my XXXX billing statement, which was due XX/XX/2020. 

On XX/XX/2020, I contacted the Citi customer service line for the account to request that a check for the credit balance be sent to me. The representative said that was not possible, but that they would credit the amount to the bank account which I use pay my card balance. Since it was a large amount, there may be an extra delay for management approval, but that I should see the credit within some 5 business days. I agreed to this arrangement. 

On or about XX/XX/2020, having not received the credit to my bank account, I once again contacted the same Citi customer service line. The representative confirmed that the refund was in process, but needed management approval. I asked to speak to a supervisor and was told that was not possible. 

today is XX/XX/2020 -- 37 days since Citi received my money and they continue to hold it with no recourse available to me.
Product: Credit reporting or other personal consumer reports

I recently check my credit and seen accounts that I did not recognize. These accounts were : XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Someone is fraudulently using my information in an attempt to open lines of credit. 

On XXXX I was alerted by XXXX that a hard inquiry was made on my account on XX/XX/ by JPMCB which resulted in a decrease in my credit score. I did not apply for any credit. I contacted XXXX and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by XXXX of another hard inquiry on my account by JPMCB which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from JPMCB. 

On XX/XX/ I contacted XXXX XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. XXXX also advised me to file a report with your agency. 

On XX/XX/ I contacted Security Verification at Chase Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.
Product: Mortgage

Loan Assumption  closing on  XXXX   XXXX ,   XXXX   This has been a horrific process!    Original Loan f rom  XXXX  and  XXXX   XXXX   XXXX  AFR/ XXXX .    XXXX   XXXX   XXXX   XXXX , In  XXXX  was assumed by  XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   File #  XXXX  through  XXXX ,  XXXX .   We requested an assumption package from AFR per their request and was completed per their request in  XXXX  this process took approximate 5 months with numerous paperwork requests from both parties.   I have contacted  XXXX  and left numerous messages with no return calls. I have been receiving bills still on this home from AFR mortgage  XXXX  when  XXXX   XXXX   XXXX  has received bills from his assumed loan from AFR and is making payments, but yet I am still receiving bills. When I called AFR I was told they needed a copy of the Recorded agreement,  XXXX , and  XXXX . This should have all been taken care of through their own company/title company and subcontract company. I spoke with a supervisor  XXXX  who stated he was unable to assist me through customer service. Please Help! We closed on  XXXX   XXXX ,   XXXX   and this is still an issue.  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX  I have sent all the information that was given to me at closing,  XXXX  has all the copies because we closed at the house and he was the buyer/assumee.
Product: Checking or savings account

Truist Bank is offering a bonus of {$300.00} when you open a new business checking account and complete the following requirements : Use promo code XXXX Make cumulative qualifying deposits of $ XXXX Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. 
I opened their account with this code and completed requirements but when I called them they told me I never accepted the promotion terms and conditions despite applying the code so I could not get the bonus.
Product: Debt collection

I traded in a XXXX ( financed through tidewater ) and the new loan paid off my car loan with tidewater. This was early XXXX. I didn't hear anything from XXXX until the beginning of XXXX when I receive da letter saying the loan was paid off and amount owed was {$0.00}. A week later I received REPEATED calls stating that I owe one payment that wasn't paid off by the trade in because apparently it was scheduled to come out of my account on the XXXX, the trade in was paid off the XXXX so the payment showed as credited to my account, making the tradeoff payoff amount less the payment. I told them no one told me this for 3 months, the letter I received shows I know {$0.00} and on my creidt report it shows them as being paid in full, with no derogatory or late payments in XX/XX/2020.
Product: Debt collection

I XXXX XXXX is making a statement I received an email from collection agency Transworld Systems INC such as XXXX on XXXX XXXX at XXXX which states I allegedly owe {$1600.00} I asked for validation of debt. This company have no right to email me, or contact me via phone I did not give consent to either. This collection agency shouldnt be contacting me as if I owe them anything this is violation of the FCRA. Respectfully requesting that you provide adequate validation of this debt you claim I owe, a disclosure with my signature, last activity, payment activity, along with an agreement between you and I which states it allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money you claim I owe. This account is under litigation ; according to FCRA section 605B it is illegal to report information on my credit report without my permission/consent. Please remove this item from my credit report as it is violation the FCRA. However I was not sent a letter stating this information would be reporting to the credit agencies to be placed on my report which is another violation. I did not give this company permission to report anything on my credit report. XXXX XXXX is at fault here being that my information was passed along to this collection agency without my permission I did not receive notification this was being added to my credit report which I did not give consent to. The email I received also states theyve sent communication regarding this alleged debt owed to them XXXX which is inaccurate. I have not received any piece of mail via XXXX from TRANSWORLD SYSTEMS of no kind however I requested validation of debt. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) both allow for statutory damages of up to {$1000.00} for violations. This means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency or credit bureau that violates the law XXXX XXXX XXXX is violating the FCRA .
Product: Debt collection

An apartment complex sued my wife and I because rent was received via overnight mail 1 day late. The amount due was {$5.00}. They sued us for possession and received a judgment on XX/XX/XXXX in the amount of {$3400.00}. We found out a few months later that XX/XX/XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX placed the judgment on my credit in the amount of {$9400.00}. When we contacted them and advised 1. we never received notification of the debt as we were in the process of negotiating the amount with XXXX, the actual company that received the judgment. 2. there was no justification of the amount reported that was nearly triple the judgment amount. The company advised we received notification of the debt or how else could we contact them. I was notified when checking my credit. There is no way they could have received and validated the debt in 30 days from the actual judgment when we would have been given 30 days alone to validate it. We were not given anything. They also advised if we have a judgment we know we owe them money but again the dispute is for the amount. They continue to validate the amount without providing any proof of the amount or that they are legally able to collect as the amount supposedly includes the judgment to XXXX but they are reporting the creditor as XXXX XXXX  which no longer exists. There is nothing accurate or legal about the way this debt is being handled. The collection agency is conflating the amount they claim we owe with the amount of the judgment by pretending they're 2 separate amounts but reporting an amount that clearly includes the amount of the judgement along with the additional yet inexplicable inflated amount.
Product: Mortgage

Foreclosure filed XX/XX/XXXX. Locked out of property XX/XX/XXXX. Servicer padlocked the door. Court end XX/XX/XXXX. All said in front of judge, they were told to unlock or be fined. This went on for many months and they were fined {$1100.00} in spring XXXX and wrote check as if I was paid for working not a fine. Had to file with IRS, which is fraud I was told. Reported it and nothing became of it. I have all the photos, court orders are all in XXXX, proof galore. Attended every zoom conference, submitted anything I was told to do and left out of this process. You wait months and here nothing then boom XX/XX/XXXX attend a call in, left on hold, told I would enter shortly, never did. Have the screenshots of that also. 
Never heard a word until I received a letter last week stating the Auction is XX/XX/XXXX. 
I have not been treated fairly. My rights have been violated all because I could not afford an attorney. 
I have proof of everything. This is not a simple matter. Years of docs and false invoices and padded fees made by Shellpoint. They were even fined by CFPB for this exact thing recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Product: Debt collection

I believe it's a fake law firm. It was a {$300.00} dollar pay day loan from more than 12 years ago that I paid and they are asking for almost {$1000.00}
Product: Credit reporting or other personal consumer reports

I've been paying for 5 months and I havent seen bright capital inc or bright money anywhere on my credit report so I believe they have stolen my money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian XXXX inaction violates federal law and my rights as a consumer.
Product: Money transfers

I having been trading on eBay and using PayPal as my payment method. My complaint is against PayPal. In the past month, I 've had a number of transaction cancellations and returns for refund. PayPal has deemed this high risk behavior and frozen my account which has a balance of {$19000.00}. I am not permitted to move that money, my own cash, anywhere. I ca n't send or receive money and most significantly can not move the cash to my linked checking to pay other bills or buy groceries. They will not tell me what if anything I can do to fix this. I have had an account with them for 14 years with no problems. I even told them to cancel my account permanently, just give me my own moony. Even now, I 've broken none of their policies nor any laws. This is a subjective directive that 's come down from " executive escalations. '' They state that they empower themselves to be able to do this. I 'm not indebted to them or anyone I 've traded with so I want to get my money out of that system.