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

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of  phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately : XXXX. XXXX - Account Number : XXXX XXXXXXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you for help regarding my Credit Report with EQUIFAX. I am launching a complaint due to the fact that Equifax is not adhering to the FCRA Rules and Guidelines. Their reporting is inaccurate. They are reporting inaccurate information from data furnishers. They are not even trying to investigate the inaccuracies, and this is unfair to the consumer ( me ). I had a XXXX XXXX and XXXX and was hospitalize. During this time, I was staying with other people and my belongings were thrown in the trash by mistake, I was told. There are accounts reporting on my credit report that I know are not mine. Ive reported ID Theft and disputed accounts with all three Bureaus. XXXX and XXXX both have blocked and/or deleted accounts after their investigation. How is it that Equifax is coming up with a very different outcome? I have spoken with a few of the data furnishers and was told that its not coming from their end. I am asking for Equifax to now prove to me how they are investigating and their evidence that these accounts are mine. I want this proof for when I file suit in court for punitive damages and whatever else I can sue for. Right now, I am recovering and trying to find a job. With my current Credit History, I dont qualify with the type of job I can do at my age and with my health issues. The accounts in dispute are : XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, and XXXX. These accounts were opened around the same time ( XXXX ). I have tried to dispute this myself in XX/XX/XXXX, and I have paid for help from 2 other companies ; in XXXX and XXXXXX/XX/XXXX. Thank you in advance for any help you can give me.
Product: Money transfer, virtual currency, or money service

I was trying to do business with an e-commerce business and went to check out. Upon selecting my payment method I chose PayPal. I went to check out but was denied due to a bank card not being linked. When I opened my PayPal account I see I have PayPal line of credit with more than enough funds available to use. I contacted both PayPal and ( XXXX XXXX ) PayPal credit ; I was told that they select which business can use this line of credit. I told them that they are being discriminatory towards businesses. Upon further investigation it looks like XXXX XXXX and PayPal are in an unethical and bias in determining which businesses can use PayPal Credit and which ones can't. I asked for a list of businesses that I can use my credit with but again was denied such a list.
Product: Credit card or prepaid card

The XXXX Double cash rewards has forfeited my rewards ( {$2300.00} ) without any concession. They highlight lack of any transaction that led to the expiration of rewards. On further verification I found a merchant transaction in last twelve months and had an dispute with the merchant and was credited back. XXXX ignores this to be treated as transaction. At the same time they also do not provide any concession for re-instating the rewards back to the account either with or without penalty. They have blamed customer for not being active with the card. 
They also posted {$2.00} to the rewards account and can not explain how the amount was credited. 
I truly believe the cash rewards belong to the customer and many banks either let you re-instate with a fee or provide one time concession to re-dress such issues. They have refused to entertain customer request under any circumstances. 
If this is how XXXX operates there are many other banks that let you have double rewards for as long as you want provided the account is not closed. With an active account and no alerts for expiration XXXX has demonstrated their true intention for the XXXX rewards program. Even with card terms and conditions available XXXX should respect long customer relationship and their standing with the bank. If not, its time to move on as I do not like my rewards to be taken away with no WARNING and no ALLOWANCE when you're not watching. Only time I was notified was after the fact with monthly statement stating rewards have been forfeited in XX/XX/2018.
Product: Debt collection

XXXX XXXX RODENBURG LAW FIRM On XXXX XXXX the Firm served me with a letter, Dated XX/XX/XXXX, saying I owed XXXX XXXX  {$3400.00}. They said on various occasions I also allowed Others to use my Card for purchases or to withdraw Cash. They also implied I, myself, withdrew Cash ... None of this is true. I also saw no Date or where to appear on the Summons. 

I fell on hard times & could no longer keep the Card. I looked it up on my Credit Report & it said that the Charge was written off, I believe, in XX/XX/XXXX. 

I returned a letter to her saying I would be willing to try to pay on it, if they could reduce the total & would allow me to pay on it AFTER I finished paying off another Card I'm currently paying on. 

She responded saying I would have to pay {$120.00} a month, plus 10 percent annual interest beginning XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) & Sign a " Stipulation '' Agreement stating : " By signing this Stipulation & Consent I am acknowledging that I have been served with the Summons & Complaint and that I FREELY give up my right to an Attorney. Is that Legal?
Product: Credit card

In 2016 American Express ended its role as the exclusive card for XXXX, with that role being taken over by XXXX. My existing AMEX/XXXX card had a balance at the time of the change and that balance was transfered to the XXXX account. Subsequently, AMEX mailed me an offer to open a new account with them ; the offer extended stated that balance transfers and purchases would be interest free for 15 months. Taking advantage of this I transferred the XXXX balance ( the original AMEX/Costco balance ) back to AMEX under the new, interest free offer. However, in the first billing cycle, AMEX charged me interest on the balance transfer made, contrary to their offer terms under which I made said transfer. 
I called AMEX and opened a complaint. After a month of not hearing anything I called AMEX and inquired of the status. I was told a decision was forthcoming. I waited another 4 weeks and phoned again. During this XXXX call AMEX made the assertion that the interest free offer only applied to purchases, not balance transfers, despite the fact that the offer letter clearly states both purchases and balance transfers would be interest free for 15 months. The customer rep supervisor asked for the offer number printed on the offer letter. I provided this to her and she responded that the offer number did not cover balance transfers. I replied that her position was that the document they sent me, which I still possess, which states both balance transfers and purchases would be interest free for 15 months, did n't say what what was printed on the paper. AMEX requested a copy of the offer, which I scanned and emailed to them. 3 days later I received a voice message from AMEX, saying to call them at the provided number and enter a XXXX digit code. I called the number, but the automated system requires a XXXX digit code. At this point I believe AMEX is purposely avoiding honoring their offer terms and purposely making it difficult to reach them in an effort to make me drop the issue.
Product: Debt collection

To whom it may concern, I have contacted the company Penn Credit and requested a debt validation letter about 6 weeks ago and still have yet to receive it. I never received written notice from the above company and found them through a 3rd party so this request is vital as I do not believe I owe this debt. 

They have not been able to verify the debt nor verify they have the right to collect on that alleged debt. 

This is very important to me as a hold was placed on my car registration and I legally am not able to drive it and when it is parked on the street, I am been given countless tickets. It is very difficult to have only one vehicle to drive between my wife working full time and I working full time and having a XXXX year old daughter. 

I do not know where to turn but have read online that filing a complaint may help. Any assistance that could be provided will be greatly appreciated. 

Thank you in advance for your help. 

Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX & XX/XX/XXXX, I used XXXX through my Chase Bank account to send a total of {$880.00} & {$110.00} to individuals who misrepresented themselves and their intentions. I was deceived into believing the transactions were legitimate and that I would receive a service/product in return. After completing the transaction, and being blocked on facebook messenger by the sellers, I realized I was the victim of a scam and attempted to resolve the matter. 

I immediately contacted Chase Bank to report the fraudulent transaction. I requested that Chase investigate the matter, provide documentation of their findings, and consider reversing the transaction or offering a refund under fraud protection policies. However, Chase informed me that no further action would be taken because the transaction was authorized, even though it was conducted under false pretenses. 

I also attempted to contact XXXX directly for assistance, but I was unable to reach a live representative to discuss my fraud claim. XXXX 's lack of a direct fraud resolution process left me reliant on Chase Bank, which refused to provide any resolution or follow-up documentation despite my repeated requests. 

This experience has caused me financial loss, frustration, and wasted time trying to recover my money. I believe Chase and XXXX should take responsibility for fraud committed through their platform and provide better consumer protection and support. I am requesting assistance from the CFPB to ensure proper investigation and resolution, including the recovery of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXXXXXX due to incorrect information. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted. Remove immediately.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, have 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 an account without my written instructions.
Product: Checking or savings account

I placed an order with XXXX eats on XX/XX/XXXX. At XXXX there was a hold for {$45.00}. Then at the exact same time my account was charged {$45.00}. Then again at XXXX the same night I was charged {$45.00} by XXXX XXXXXXXX again. The first charge of {$45.00} did fall off after a few days bcs it was an authorized hold. But there are still 2 separate charges for {$45.00} that were both complete on XX/XX/XXXX. At first I believed the XXXX charge was also a hold. So I've been trying to get uber to release it for almost 2 months. However I just spent an hour on the phone with my bank and we discovered thar the name of the merchant was making it look like it was a pending hold when it wasn't. The names the 2 separate charges show up under are as follows : XXXX charge " XXXX XXXX eats pendin '' XXXX charge " XXXX XXXX eats XXXX Basically after almost 2 months of trying to get my account straight after that second charge over drew my account, that is all I have been able to accomplish. Is finding out what I thought was a hold that I couldn't get released was actually an unauthorized charge. And even though I had sent about 30 emails back and forth with XXXX XXXX  support including all the evidence of the mistake they made the only response I get is that it's just a hold contact my bank. And that I am incorrect I was only charged once. But my transaction history and my bank say otherwise. I have filed a dispute with my bank. However, even after admitting that I was double charged and I qualified for a refund, the disputes were denied. They even authorized a temporary credit to cover the negative balance caused by the unauthorized charge. But that was removed due to me not winning the dispute. I'm really not sure what to do. I can't get any help from XXXX. And when I speak to my bank they confirm there's an unauthorized charge that needs to be disputed to receive the refund. But then they denie the dispute. Can anyone please just help me get this fixed and my money back?
Product: Mortgage

I am trying to payoff my mortgage. I have always sent payment via ACH transfer. To payoff the loan I ca n't use ACH transfer. According to the bank the payoff can be a personal check which they will hold for 14 days before processing the payoff or I can wire the money which has fees involved. I think this is unfair give ACH has been an acceptable payment method for years. SECOND. I need a payoff letter which may take 2 weeks to receive. I asked for an electronic method of transmittal and was told I could not get and email but i could pay {$30.00} for a fax. I think this is just abuse. They have made money at every step of the way and when it comes time to close the loan they make it difficult. FOR comparison, I just paid off my Auto loan with XXXX, I sent in the last payment and received the title within days. no payoff letter, no hassle.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against TransUnion for FCRA Violations and Dispute Delay Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion, LLC for failing to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion is reporting an inaccurate account on my credit report that does not appear on my reports with other credit bureaus ( XXXX and XXXX ). Despite my filing a dispute on XX/XX/XXXX, TransUnion has been stalling and has failed to resolve this matter within the legally mandated timeframe. 
Under the FCRA, specifically 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and resolve disputes within 30 days ( or 45 days if additional information is provided during the process ). As of today, TransUnion has failed to : 1. Complete the investigation within the legally required timeframe.

2. Provide me with any substantial update or outcome related to my dispute.

3. Remove or verify the disputed account, which I firmly believe is inaccurate and unverifiable.

This delay and inaction are causing significant harm to my credit profile and financial well-being. The disputed account remains on my report without verification, affecting my ability to access financial opportunities and unnecessarily damaging my creditworthiness, and ultimately drawing out my time of homelessness. 

Details of the Issue : Disputed Account Name : XXXX XXXX Account Number : XXXX Nature of Dispute : This account is inaccurate and unverifiable. It does not appear on my credit reports from XXXX or XXXX, further raising doubts about its validity. 

Dispute Date : XX/XX/XXXX XXXX conduct violates the FCRA and demonstrates a lack of good faith in resolving disputes. By stalling this process, TransUnion is failing in its duty to ensure the accuracy and integrity of its reporting. 


Requested Action : I request the CFPBs immediate intervention to : 1. Compel TransUnion to complete the investigation of my dispute without further delay. 
2. Ensure TransUnion provides a thorough explanation for its failure to meet legal deadlines.

3. Hold TransUnion accountable for any FCRA violations and impose appropriate penalties if necessary.

4. Confirm that the disputed account is either verified or permanently removed from my credit report. 
TransUnions inaction and disregard for its legal obligations have left me with no choice but to escalate this matter. I trust that the CFPB will take swift and decisive action to ensure my rights under federal law are upheld. 

Thank you for your attention to this urgent matter. Please feel free to contact me directly at XXXX should you require additional information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX
Product: Mortgage

I have a question regarding my mortgage servicer. After being placed on a loan modification program throughRocket Mortgage because of financial hardship, I was notified that my mortgage servicer changed. I had already set a payment schedule with Rocket Mortgage for XXXX, XXXX, & XXXX of {$1400.00} per month. When I contacted the new loan servicer, XXXX, I was informed that they would no longer honor my previous loan modification agreement even though I had already scheduled the payments with Rocket Mortgage. 

As I understand, the new loan servicer is only collecting the payments and everything should remain the same on my mortgage. However, I am being asked to go through underwriting with them. Please advise.Thank you. 

Best regards, XXXX XXXX
Product: Debt collection

I started dispute process in XX/XX/2019 with the bureaus, I've sent 2 disputes as of now, and also sent collection company direct notice for " Request for Validation, Not Verification '' on XX/XX/2019, and they still have failed to send all documentation outlined in my request to validate the account. 
All letters in the dispute process and the letter sent directly to the collection company was sent by certified mail, and I will attach the file mailed to them. 

Collection Company : PORTFOLIO RECOVERY ASSOCIATES, LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX
Product: Credit reporting

Tried to get XXXX and Equifax credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports.