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

I've sent four letters regarding 1 negative accounts that appear on my Experian Credit Report. ( XXXX XXXX ) Each response I received back stated that Experian was able to verify each account and it's reporting accurately. How is this possible when XXXX has the same account and was unable to verify it. Since XXXX was unable to verify the account after 30 days it was deleted from my report but Experian had the same amount of time as XXXX and was able to verify it and state that it's reporting accurately. Despite three written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that this item is being reported correctly? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Consumer Loan

XXXX a division of Pacific Credit Group in XXXX XXXX extended credit to me for a computer. The account was setup and I was originally told I would receive the item within a week. When the week passed and there was n't even an approval or tracking information I called and was then told it would be 7 - 10 business days before my item would ship. Since I needed this item for work I requested the order cancelled. I was told the order would be cancelled and I would not be required to make the first payment. I called several times over the next week and was assured my cancellation was noted in the system and the order was cancelled. However, it has been almost three weeks since then and the payment was taken from my bank account, The item still does not show cancelled and I can not reach anyone in charge as a manager. I was transferred to escalation department. I reached voicemail which said it was full and to call back later twice. I will be filing with my bank to reverse the charges but they told me it would be about 10 business days to get my funds back if I do, and I may not be able to them.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all XXXX bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out the the credit bureaus in regards to a violation of section 623 ( a ) ( 3 ) for failure to enter notice of dispute for XXXX XXXX  XXXX. I sent a letter to XXXX, Equifax, and XXXX on the XXXX of XXXX. I've disputed this account numerous times in the past 120 days and to my shocking disbelief all parties in this matter have failed to update my credit profile and stated bye law. I would like for all inaccuracies and violations to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act Upgrade # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.
Product: Debt collection

A credit reporting company that goes by RMP, LLC out of XXXX Michigan continues to report as unpaid an amount to my credit report each month for a hospital service, despite being contacted via phone several times to be told the debt was paid directly the hospital months ago. From the reviews I've found of this business, there are multiple people describing the same problem as I, including folks who paid the debt through their agency directly, that the company continues to report as, " unpaid '', paid balances to the credit agencies. As this has a negative impact on credit score, and thus interest rates on large purchases, it has the potential to cost those impacted greatly.
Product: Debt collection

To remove debt XXXX/Sunbit open XX/XX/2019 owed XXXX XXXX/Sunbit open XX/XX/2019 owed XXXX, XXXXSunbit open XX/XX/2019 these are not my debt
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Equifax, XXXX and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Product: Student loan

I have been trying to do IDR. I have worked for a Non Profit hospital for XXXX  years. I have asked several times what I need to do to have the loans absolved since I have worked here for that many years. Was never told about the IDR. It was my coworker who helped me last year figure out that i wast on that and needed to be. When I asked about it I got the run around with what form to fill out. Last year I had a payment of XXXX. and they said that they would start my XXXX  year write off time frame from then, even though I've been with my company so long. I recently redid my stuff showing Im still employed and my payment has gone to over {$700.00} and they haven't counted any months towards the idr to write them off. What do I need to do to get that counted towards that or is there any way of going back to my start date to have those absolved.
Product: Credit card

Defamation of Character, False Credit Reporting - I have been trying to resolve this with the Chase customer service team with no luck and very poor/rude customer service from one particular representative XXXX XXXX. He was not helpful in anyway and one of the most rude representatives I have ever interacted with in my life, why he is working for Chase is beyond me. If he worked for my company he would be fired. Every other representative was helpful and understanding. I have had a great experience with Chase until now and had XXXX credit cards with you for which I was forced to close all of them yesterday because they would not resolve removing a 30 day late off my credit reports that is reported incorrectly on my credit bureaus. I opened a XXXX credit card, made one purchase and never received any physical statements. They agreed at the time with the mistake and credited the account late fee. They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this could be considered defamation of character since I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts and because of their behavior I closed all my accounts with Chase. They are very difficult but this is just wrong. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so corrupt and open to ruin peoples credit? This pertains to account number ending in XXXX. Thank youI am reporting this to every agency I can to take action. Many have been notified in the last day XXXX, FTC, Consumer Finance.gov, Fair Credit Reporting Act, etc. This needs to be removed from my credit ... ... ... 



I will contact all of executive management of Chase with regard to this. 



XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXXXXXX
Product: Mortgage

Mortgage was transferred from XXXX Mortgage dba XXXX XXXX to Select Portfolio Servicing, XXXX ( SPS ) on XX/XX/XXXX. I contacted SPS on XX/XX/XXXX to alert them the escrow was incorrect and the hazard insurance was not on there. SPS requested I send them a letter stating I wanted the escrow to include the annual hazard insurance and the taxes, as XXXX XXXX had been taking out. So, I complied to their request. They received the letter and responded on XXXX XXXX XXXXXX/XX/XXXX, well past XXXX days, apologizing for their mistake and they would rectify it. My homeowners insurance is due to expire on XX/XX/XXXX at midnight. I have called several times, I have a log of date/time/person spoke to, from XX/XX/XXXX to today XX/XX/XXXX. I still don't have any idea if they are going to pay the mortgage insurance. I can not get a resolution. I called again today, spent over an hour and fifteen minutes, spoke to five different people, asked if this could be escalated since it is time sensitive, spoke to a supervisor who said she is going to send an email to someone in the escrow department, which does not accept calls from mortgagee 's. All I get from this mortgage company is " they are working on it '' but, no resolution.
Product: Consumer Loan

I would like to go on record stating that I to was a victim of Honda Car Loan Discrimination XX/XX/XXXX. I purchased a XXXX Honda Civic for my daughter. The sticker price was for XXXX. By the time they added taxes the total price was XXXX. I was told they had to charge XXXX to activate the factory built ( Honda ) theft device. Which in reality all they did was give me the keys and showed me how it worked.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I logged into the XXXX XXXX app that I use every month to transfer my child support payment. I was forced to the new XXXX app and was forced to use the new platform. When I logged in and went to transfer {$600.00} to my bank account, I noticed that it looked different and only showed limited information regarding the accounts I am accessing. The checking accounts only displayed the last two or three digits of the account number. When I looked at the account numbers, there was an account that had the last digits XXXX and no other identifying information. I logged into my bank to verify the last two digits were XXXX and after verification, I transferred the money. 

After several days, the money had not been transferred and I contacted XXXX to find out what had happened. I was given a transaction number - XXXX which I presented to my bank. They had no record of that transaction. At that point I realized the new XXXX displayed no identifying information beyond the two digits and that two of my bank accounts ends in XXXX. There was no way for me to identify which bank account I transferred the money into. I've been on several calls with XXXX and they keep telling me that there's nothing they can do and because of security, they can't see any additional information. What they've actually created in an effort to attain security for the custormer is a breech in security that creates problems for the customer and, in this case, the loss of {$600.00} due to such limited identifying information of the accounts attached to the app. 

It is inconceivabel that an institution that provides financial services would set themselves up so that they have no ability to provide customer protection and customer service when dealing with moving money. Today was my 5th hour + long phone call that resulting in being told there's nothing they can do to recover or even identify where the money was transferred.
Product: Debt collection

I wrote two ( 2 ) letters to Mr. XXXX the CEO of Discover Card and two ( 2 ) complaints to the CFPB that because of the coronavirus I can not at present make payments! Not a word from him or Discover Card. In the last two ( 2 ) days there have been two ( 2 ) more dunning telephone calls! THIS IS AN OUTRAGE! And it shows that he and his company are being unpatriotic and un-American at this time when so many millions of Americans, including me, are because fo the coronavirus unable to pay their bills! Shame on him and his company! Even the IRS has moved the tax deadline from XX/XX/XXXX to XX/XX/XXXX. He can XXXX well follow suit!
Product: Credit reporting or other personal consumer reports

I only have one address and almost 20 appear on my consumer report, resulting in denial of residency and tenant applications. Ive tried getting this info deleted several times but it never goes away and is drastically putting me and my family in tragic conditions now even facing homelessness since that many addresses looks unstable for one person, when theres no way i can currently live at all these places
Product: Money transfer, virtual currency, or money service

Cash app took {$31.00} without my permission. Me & my XXXX daughters were on our way home from a XXXX  vacation to our home in XXXX. I was going to get gas, but changed my mind and no transaction took place. Cash app has refused to refund my money. They have laid blame on the gas station, but the gas station has no record because there never was a transaction. I want to file a lawsuit because of cashapp we ran out of gas outside of XXXXXXXX XXXX & had to ask strangers for help to get home. It never had to happen and now they refuse to return my money. I am going to file a lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain unauthorized credit inquiries from my credit report. I have reviewed my credit report and found that there are several inquiries listed that I did not authorize. 
According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, when inaccuracies are identified, they must be promptly corrected or deleted.

15 U.S.C. 1681e ( b ) states : " 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. '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states : " ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' The inquiries in question are : XXXXXXXX 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 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
Product: Debt collection

I am a victim of Identity Theft. There is a Midland Funding collection # XXXX appearing on my credit report that I have never applied for. I am not receiving responses from the debt collector.
Product: Debt collection

I've been a XXXX customer all my life and still am now. After living in a home for 2 years and having a 24 month contract with XXXX, I called them on 7 weeks before my move on XX/XX/2019 to schedule the close my account at end of XXXX. After finally speaking to a XXXX rep who honestly told me I was just out of my 24 month contract terms on XX/XX/2019. Since I was moving at end of XXXX, I agreed to go ala carte, no contract for the next few weeks. My billing cycle was thru the XX/XX/XXXX, so I paid in advance thru this date and that is the time the services would be cancelled. Since out of contract is at a higher rate, I eliminated many channels to manage my bill. I immediately returned their equipment. I called XXXX many times to insure my account would be closed at end of XXXX and that I had a XXXX balance and each time the XXXX rep confirmed this information ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received many emails from them saying my account was closed, asking me to come back as a customer, offering me new deals ( I have the emails ). Two months later, XXXX sent me one bill with an early termination fee of {$130.00}. I had a credit balance of {$12.00}. I made several more calls to XXXX on XX/XX/XXXX and thought the situation was resolved. Another two months  On XX/XX/XXXX, I received a call from a collection agency!!! The amount owed was {$100.00} so XXXX made some deductions. I put amount was put in dispute. I have superior credit, all my life. Immediately called XXXX, put the amount in dispute, spoke to XXXX, and he said that XXXX put me in a new contract without my consent. Agent agreed that I would not enter a new contract for 2 weeks when I was moving. XXXX agent said he would speak to his supervisor and it would be resolved. Another 2 months, and today XX/XX/XXXX, I had a fraud alert from ID CARE that an account was put into collection on my account. I've never had an account in collection in my life!! XXXX again!! In 6 months, I've had one bill from XXXX and one phone call from the Collection agency. This is damaging my credit ; how can they put this on my credit bureau when it is in dispute and XXXX keeps telling me this is resolved. Predatory practices, harassment, 12 plus hours of my time, it's like dealing with the XXXX. And I'm still a XXXX Customer, but they are charging me for early termination. Please Help Me!!!! ( I'm attaching my bill from XXXX showing I was in a 24 month contract, I lived in the home 2 years and was moving at end of XX/XX/2019 ; several emails from XXXX that my account status changed after my XXXX call - decreased channels, my account was cancelled, XXXX made offers to keep me as a customer, that I returned my equipment ; bill from collection agency ; notification from ID that this bill is showing as delinquent on my credit bureau report. ) YOUR SYSTEM WOULD NOT ALLOW ME TO ATTACH ALL THE ABOVE DOCUMENTS, HOW ELSE CAN I GET THE PDF FILES TO YOU. YOU NEED TO SEE XXXX 'S EMAIL TO ME SAYING MY ACCOUNT WAS CLOSED
Product: Debt collection

I never took out a loan via Moneylion, I was to validate this debt, where is the original signing and documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Under USC 1681s-2b I would like for your office to please send me physical documents that discover did in fact provided and notified you after their investigation on accounts XXXX I have reached out to XXXX for them to send me that information they refused or can not provide physical. That the required noticed was in fact entered. I have asked your office multiple times to do an investigation and send me physical proof but each time you fail to send me physical proof! I have enclosed enclosed physicality proof that this information was never entered so I will need for you to send me physical proof or delete these account immediately from my credit file and provide a updated credit report when done so. Again I need physical proof.
Product: Mortgage

I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$120.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX