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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Information being reported on my consumer report that doesn't belong to me, I have disputed the items and I would like them removed immediately. I do not give consent or permission for Equifax to furnish this information.
Product: Mortgage

Since XXXX of 2014, Nationstar Mortgage has been telling me I 'm in default, then they send me thousands of dollars in in check saying my escrow is in excess, then they sent me notice that my escrow account is in default ... I have been fighting with them every two to three months explaining their XXXX and getting my account back in order and balanced ... I 've emailed the attorney general and the better business bureau of Texas, with no results or no response at all ... I am in the process of changing mortgage companies to get out from under Nationstar Mortgage but, now there telling me I 'm a month behind according to the attached letter ... I 've literally had to call and battle with these people upwards of thirty times ... I do n't know what to do now as these people cant understand their own reports ( see attached ) ... They have processed my XX/XX/XXXX payment but are telling me it is due its still due ... additionally they have been stealing money from my payments for late fees but, I have never missed a payment since day One ... I need help in order to complete my refinance ...
( docs attached )
Product: Credit card

Original, still open Complaint ID : XXXX submitted on XX/XX/year> I have major privacy issues with Chase. First they utilize an address that was not mine and a phone number that was not mine, now they have changed my address without discussing with me that they were updating it. It is correct now, but they changed my address without my authorization, which customer service told me ( called XXXX minutes ago ) that We can not change your address and we are not allowed to change your address. And yet, my address was changed. 

When I first called them a month ago to have them fix the issue with using other peoples contact information for mine phone number and address they said they can make any address or phone number my primary if it has ever been associated with my SSN. Really?? Im sure there are regulations against this activity. I am still not able to login to the mobile app or update any of my information because it requires me to authenticate with the phone number which is not mine and has never been my personal phone number. 

I do not feel confident that my personal information is safe with this company and that they are utilizing the appropriate privacy guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding XXXX XXXX Inaccuracy # 1XXXX The " date of last activity '' does not match across XXXX XXXX Experian, and XXXX XXXX XXXX reports XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. XXXX is reporting {$500.00}, Experian is reporting {$500.00}, and XXXX is reporting {$500.00}. 

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Inaccuracy # 4XXXX The " Open date '' does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -XXXX is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-XXXX  is reporting is reporting this closed collection account as " open ''. 
-There is no date of last payment listed for any of the credit bureaus. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies XXXX, Experian, and XXXX were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.
Product: Credit card

I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant 's made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n't given the change to express my choice. I disputed the charge with Chase, and I 'm being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.
Product: Credit reporting or other personal consumer reports

1 have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online
Product: Payday loan, title loan, personal loan, or advance loan

There are times when payments fail for various reasons, but this company involved do not inform me until it's too late. As a result, they charge a fee. On XXXX occasion, I accidentally selected the wrong card for payment.And they didn't give me the opportunity to replace it. 

This time, I paid in advance, but they never notified me that the payment had failed, again, they put my old card by default, so they payment failed. They didnt attempt to charge my other card either. Instead, they notify me XXXX days later that they applied a late fee. I believe this is an unfair and abusive practice, stemming from their poor communication.
Product: Checking or savings account

On my M & T checking account I received a text alert on XXXX at XXXX that a " suspicious XXXX payment of {$2400.00} was blocked ''. The text said, " possible fraud or blocked in error '' and to contact the bank. At XXXX the bank text " {$900.00}. XXXX XXXX was sent to exponentials llc ''. At XXXX the bank text " {$990.00}. XXXX XXXX was sent to exponentials llc ''. At XXXX the bank text " Suspicious XXXX payment {$500.00} blocked, possible fraud or blocked by error ''. 
I called the bank as soon as possible at approximately XXXX and told them these were all fraudulent payments and to block my XXXX account. The bank forwarded me to their fraud unit, case # XXXX and XXXX said it would be XXXX to XXXX days to investigate these fraudulent transfers. I told them I was not scammed or tricked into sending any payments and not ever dealt with or heard of XXXX XXXX. I called back on XXXX due to not hearing any response. XXXX said the case was denied and they already sent the denial letter. I received the Bank denial letter on XXXX and again called their fraud department and XXXX said he could only forward that I am still disputing these fraudulent transfers that they have denied. Why would they " block '' some suspicious and possible fraud payment/transfers and then allow other suspicious and possible fraud payment/transfers to go through if all of them are from XXXX and XXXX XXXX XXXX? Please help!
Product: Debt collection

I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX   asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service. 

Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service. 

XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where to begin? First, you are reporting an inaccurate payment history ; please provide me proof of the last payment, as our records do not match. Second, you are reporting the current status to be Bad debt/Collection when in fact this account was PAID and closed, where is the closed date? Please send me a copy of the last statement. Finally, change the status to Paid and derogatory estate mortgages continue violating the FCBA, 15 USC. Your statuses are damaging to my report, which would not be happening if you investigated properly before posting derogatory information.
Product: Debt collection

I have received multiple text messages that say they are from someone with Net Pay Advance. " It's XXXX with New Pay Advance. You have a past due balance of {$180.00}. When will the funds be available to process this payment? We can take a small payment today for {$30.00} and set up a payment plan for the rest. Let me know ASAP in order to stop the collection process reply for my help. Visit : XXXX. '' Also, " it's XXXX with Net Pay Advance. Is this a good time to talk about a payment plan? We're here for you. Let 's find a solution for your past-due balance and avoid further collection activity today! Just reply for our assistance or visit us at https : XXXXnetpayadvance.com? Easy-Access? XXXX. '' I also received a phone call from someone claiming to be from Net Pay Advance. When they asked about my loan, I told them I did not have a loan with them. They said it might be fraud and I should give them the last 4 digits of my SS # so they could take care of it. I asked them what the last 4 digits were of the SS # they had on file and they told me they could not verify that information. I told them I thought they were the ones committing the fraud. 

I do not have any loans with Net Pay Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX  and now is showing up on my Equifax as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX  compared to my Equifax, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : I sold my home at XXXX XXXX address of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as reflected on the executed XXXX Title and Trust Master Statement attached. 

XXXX : Per the attached XXXX statement provided by XXXX XXXX, I fully paid the XXXX " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the balance to {$0.00}. 

XXXX : It also shows that I cancelled the service - see " CANCELLED - ELECTRIC SERVICE '' and paid a total of " {$250.00} " to bring the account balance to " {$0.00} '' Per the fully executed XXXX Title and Trust Master Statement, this service address was no longer my responsibility as XXXX - and I made sure to fully pay the " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the account balance to " {$0.00} ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit card or prepaid card

To : CFPB From : XXXX XXXX Re : Application for credit card & mistreatment from the XXXX, XXXX XXXX, XXXX office Application : # hidden To whom it may concern : Hello, my name is XXXX and I am an applicant for an American Express Platinum card. 

I was referred to American Express by a longtime user and client, my mother. 

Since then, the process has been miserable and rife with confusion, misrepresentation and blatant harassment. 

As part of my application, American Express requested additional documentation. That is no problem. That said, I use an online only bank called Simple. They do not have branches. There are no direct lines to speak to my banker. This antiquated way of thinking has led to Amex employees talking down to me and my husband essentially alluding to the fact that we may not be a worthy customer because we dont use a real bank like XXXX. 

We have complied with all requests from American Express. The last part of the process is that they want to speak to a banker at XXXX. Also, fine. According to bank supervisor XXXX from a conversation on XX/XX/XXXX, he just needed to speak to someone that would confirm the signor of the letter worked for simple. 

Today on XX/XX/XXXX, that was completed. Then, supervisor XXXX from the same Amex office said that was not good enough and he needed to speak to the actual signer of the letter. That would be like finding a needle in a haystack. These are employee bankers that take calls from a call que and handle calls as they come in. They do not have direct lines. 

The banker even offered to call Amex. That was also not acceptable to XXXX or XXXX. Their expectation is that they can call someone directly, but are unwilling to let XXXX call them. This is a classic case of not even allowing a possibility of moving forward with Amex which feels very much like a discriminatory practice targeted specifically at me. 

In the effort to reduce fraud they have marginalized a potential customer that was referred by her mother and misrepresented your process to me continually in a sexist and classist way that is beyond offensive. 

It is unacceptable to not provide a path forward to a customer, provide solutions, and then walk back from those solutions. I have now spent nearly 10 hours and many days of frustration with American Express. It is confounding and deeply disappointing. 

Please help me CFPB! 

XXXX
Product: Credit card

i disputed a charge, was given credit but then t was rebilled even thought i never rec 'd the item. spoke with a number of agents & dispute supr. at Capt I. they informed this happens all the time, i 'm in the process of writing a detail account of problem even so they have recorded my disputes.\ phone calls i was also told i would be rebilled for XXXX item of XXXX
Product: Checking or savings account

My paycheck was direct deposit into .y account but capital one bank is holding my money and they are not giving me any response to why and how long this is going to take to fix the problem I need my money it's been 24 hours and still no direct deposit on my account Please help me with this issue
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXX/XX/XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that the XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX on XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within XXXX business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately. 

Please provide written confirmation regarding the resolution of this complaint.
Product: Credit card

On XX/XX/year> paypal refunded my original payment back to debit card however card and bank account was closed for quite sometime.The refund amount was XXXXXXXX XXXX I reached out to the bank with all tracking information paypal gave me bank searched Said there's no transaction at all from paypal in that amount. 

On XX/XX/XXXX paypal refunded my original payment back to debit card however card and bank account was closed for quite sometime.The refund amount was XXXXXXXX XXXX I reached out to the bank with all tracking information paypal gave me bank searched Said there's no transaction at all from paypal in that amount. 

I reported XXXXXXXX XXXX to cfpb also paypal is claiming they have the money XXXX is denying any deposits came in from paypal I'll enclose statement XXXX Made to cfpb
Product: Debt collection

CitiFinancial is reporting a very old account on my XXXX, XXXX, and XXXX credit reports. I do not owe Citifinancial any debt. This is just harassment form them to keep reporting this on my credit reports. I have no interest in their industry standards or company policies. Citi needs to remove these accounts from my credit reports immediately!
Product: Debt collection

XXXX/XXXX filed dispute of loan XXXXpolice report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to golden valley No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and XXXX XXXX collection sent it back to Golden Valley XXXX XXXX received email from Golden Valley that all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again