23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Id attempted to contact the customer service center. I live in XXXX XXXX, California and have been impacted by the ongoing fires and evacuations. 

Of all times, when I need the support the most, American Express decreased my spending power, which took my credit over the limit. 

The requirements and expectation from the American Express customer service team at this time are tone death to State of Emergencies.
Product: Payday loan, title loan, or personal loan

Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX   '' and I, informed XXXX XXXX  of our finicial hardship. We ask XXXX XXXX  to work with us and informed iloan of our goal to avoid Chapter XXXX   bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX  to work out new repayment terms. We were unable to to Pay the Current excessive interest rate of 128 % on our loan and we were unable to Pay current excessive twice a month payment of {$270.00}, which equals {$540.00} monthly payment on a {$5000.00} loan Loan # XXXX I also let XXXX XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX  i ask why my interest rate was set sooo high.

I am Veteran in process of becoming a XXXX  Veteran.

XXXX XXXX  has also threatened to sue me and refused to work with me.

I have not recieved a default letter by mail nor e-mail XXXX XXXX  refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms.

XXXX XXXX is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments.

I feel taken advantage of by XXXX XXXX XXXX lending practices I feel iloan took advantage of a Veteran who had a credit score of XXXX, I was provided an excessive interest rates and with excessive montly payments of {$540.00} on a {$5000.00} loan.

I was never sent a default letter my email nor by mail, XXXX XXXX  is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

After reaching out to XXXX XXXX, they stated they were unable to work out a repayment plan.They also stated the current terms of my loan were fair.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove the following information from my credit files. I have called the companies and they have stated they have not received a dispute. I have disputed these items multiple times. THE INQUIRES ARE FRAUD! Filing police reports and what not in order to have this information removed. Equifax is committing fraud by refusing to remove this fraudulent and offensive information! It is listed below in my police report and screen shots.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed according to the FCRA these unverified and unauthorized items must be removed. 

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

I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a XXXX loan of {$35000.00}. I attended XXXX XXXX XXXX XXXX in Tennessee in XXXX. The loan was originally with XXXX. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from XXXX showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... XXXX I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL XXXX loan from XXXX years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!
Product: Debt collection

They contacted me a couple years ago about a debt that I had with XXXX XXXX but the debt was paid a year before they where bought out when they contacted me and offered me a lower offer to clear the debt so I took that offer and settled then a year later portfolio recovery starts contacting me with no record of that being paid and that I owed the full amount then our home burnt down and Im unable to locate that offer letter and the confirmation so I told them all of that and they continue to call me every day 3 times a day weekends and everythings early morning late night and its so frustrating
Product: Credit card

I applied for the Capital one quick silver on XX/XX/year> I was told at times of applying that the there is a {$200.00} if you spend {$500.00} with in XXXX, days and 0 % XXXX for XXXX  months ( this was the reason I applied for this card ) after about XXXX weeks I called up customer service because I did not receive the promotion after spending {$500.00} so that said that I retracted the promotion one applying and they can send me my contract. 

I am not aware of any rejecting offers
Product: Credit reporting or other personal consumer reports

They said i missed payments on XXXX and XXXX of 2024 Ill show you proof that I paid They also have other payments when I had a XXXX balance and still reported late payments when I had no balance that they said they were going to delete. Its currently XXXX late payments on my credit thats reporting that I did not miss and its affecting my credit score. I am currently current on this card and have been but I keep having this issue. If they do no remove late payments I will pay the card off and close
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX and XXXX are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX. This account was disputed by me, the referenced consumer, directly with XXXXXXXX XXXX XXXX XXXX, and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XX/XX/XXXX  and never validated. Proof of mailing will be attached to this complaint.
Product: Credit reporting

I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from TransUnion/XXXX with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered an error on my XXXX credit report that was being reported by JP Morgan Chase Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with XXXX directly. My report shows the account was XXXX days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, XXXX shows I was XXXX days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is XXXX months after it ACTUALLY became charged off. Because XXXX was of no help, I wrote to Chase directly on XX/XX/XXXX. Chase responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and Chase 's response. As of today, Chase has not corrected my credit report and they have continued to verify inaccurate information to XXXX, as I have continued to dispute the account with the credit bureau in the meantime. All in all, Chase originally reported this inaccurate information, said they would correct it, and have not corrected it. Chase also has verified inaccurate information to XXXX on multiple occasions regarding the payment history for my account. As a results of Chase actions, my credit file looks like I became delinquent XXXX months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, Chase reporting of this information does not comply with Metro 2 reporting standards for accurate credit reporting. Chase has violated my legal rights and continues to damage my credit by not taking action.
Product: Payday loan, title loan, or personal loan

I applied for a loan around XX/XX/2021 last year I had got approved for it. While I was waiting for it to be deposited I realized that I messed up the routing number by a few digits. I quickly called the loan company they basically told me it was nothing they can do about it I spoke to my bank they also said the same thing. they said it would just affect my credit even though I never received the money Ive even filed a police report still nothing now I have late payments on my credit report.
Product: Debt collection

This debt collector claim that I owe them {$920.00}. I sent a method of verification letter to the credit bureau denying the collection XX/XX/24 which they have failed to remove
Product: Mortgage

This complaint is against Nationstar Mortgage and its brand names RightPath Servicing and now XXXX XXXX. 

Understand, Nationstar, Mr. Cooper, Community Loan Servicing, RightPath Servicing and XXXX XXXX are all the same company under different brands. 
In a letter dated XX/XX/year>2024 representative, XXXX XXXX, attempts to separate XXXX XXXX XXXX as a company ultimately managed by Nationstar/Mr . Cooper. This happens on page 1 paragraph 2. 
XXXX XXXX does this to deceive the reader in hopes of justifying the continued failure to produce the document I have been requesting for over two years now. I have and continue to request a copy of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX seems to reference in her letter. 
On page two, paragraph 3 of this letter, XXXX XXXX falsely claims her justification for XXXX can be found within the XXXX XXXX XXXX on page 65, section 2. The problem is there is no such page 65 or section 2 as she claims. 
A copy of the alleged document she claims to quote has never been provided by the servicer as requested, repeatedly requested for two years. 

On page 2, paragraph 6 XXXX XXXX states, I would like to clarify that we can only provide documents to the extent that they were provided to us by the prior servicer. We strive to furnish comprehensive and accurate records, but our ability to do so is contingent upon the information we receive during the transition of services.. In other words, Mr. Cooper has trouble getting documents from Mr. Cooper. This is why XXXX XXXX used deception on page 1 paragraph 2. 

This complaint is for the continued failure by the servicer to provide legally requested documents to the borrower. 

This complaint is not a duplicate complaint as it is in response to the continued refusal to produce, by the servicer.
Product: Checking or savings account

I had got a a deposit about XXXX XXXX and they closed my account and wouldn't give me my money but keep sending me overdraft fees but never gave me my money
Product: Debt collection

A company called ZIONS DEBT HOLDING Located in UTAH mailed me on XX/XX/XXXX and requested me to pay {$1800.00}. 
I sent them a certified mail on XX/XX/XXXX see attachment file asking them to sent me the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent ZIONS Debt Holding, ignored my certified letter and didn't reply to it, instead they kept sending me letters for the same subject over and over. And i sent the another certified mail on XX/XX/XXXX asking them again to explain see attachment file, but they ignored my request and time frame and my describe legal requests and they inform me they will reporting it to credit bureau, which they did last month on XX/XX/XXXX and reported as collection to XXXX! Which hurt my score. 

This is not fair, I need your help and state attorny help Especially when I googled the company so called ZIONS DEBT HOLDING, I found they have been issued a cease and desist by 2 judges in Idaho and Texas. 

They are violating the Act of Collection and all what they do was non compliance with HIPAA, FDCPA, FCRA ACTS
Product: Credit reporting or other personal consumer reports

I mailed a letter to American Express, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. 

Neither of the companies replied to my letter, and neither XXXX of them complied. 

I have attached the letter that I mailed each company on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. 


XXXX. XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

I had accidentally submitted a payment to my CHASE VISA Credit card for {$15000.00} instead of {$1500.00} from my XXXX Checking Account XXXX alerted to me my mistake and that my account would be overdrawn, but I cancelled the payment, However CHASE had posted the payment anyway. I had alerted CHASE and XXXX of the issue and they both assured me that everything would be sorted out. 
XXXX had confirmed that the payment never left the bank. 
CHASE ended up charging us for the {$15000.00} adding to our balance, overdrawing our credit limit They have admitted that the mistake was on their part, but is telling us that it must go on a review board which will take 30 days to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Checking or savings account

XXXX XXXX my card was charged XXXX for a XXXX XXXX purchase, prior to the charge being charged I used my card at a gas station and left it in the pump which is how Im assuming they even obtained my card information let alone my physical card. At the time of purchase I was still in the area in which I had gotten gas and I received a notification that my card was used I immediately called my bank to tell them. I also provided a receipt from XXXX XXXX showing my whereabouts during the transaction.
Product: Credit reporting or other personal consumer reports

I was a victim of fraud multiple times over the past 3 years. My personal computers that they was infected with malware used to log my account information. The bad actors then used my account for fraud. I was never given an opportunity to clear it up with the bank nor was I aware until recently. Upon discovering my ox had malware I attempted to to remove said malware effectively corrupting the harddrive I have since discarded the drive with the infected windows install. I hope to save face with early warning and XXXX and I believe it is unjust that I do not have the opportunity to give my side of the story.
Product: Payday loan, title loan, or personal loan

I lost my job now Im back working tried calling to work something out no response but they got it on my credit report when I been trying to pay them with a payment plan for 6 months Now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX was flooded due to excessive rain and was deemed a total loss. I immediately contacted Bank of America to let them know of the loss and that this was now being handled by my insurance company ( XXXX XXXX  ) and my GAP insurance provider. XXXX issued a check to BOA on XX/XX/XXXX in the amount of {$33000.00} for the value of the car. The remaining balance of approximately {$9100.00} was left, and we were waiting on the GAP to approve the remaining balance. The GAP claim was approved and they issued a payment of {$9500.00} on XX/XX/XXXX. 

BOA reported that there was a 30 day to my report and dropped my credit score significantly when they had received payment in XXXX from XXXX XXXX -- which means they did receive a payment and the loss was on XX/XX/XXXX. BOA stated that once they receive the check from GAP that they will backdate the payment to XX/XX/XXXX ; but they will not remove the 30 day late from my credit report. This is unfair and if they are going to backdate after they receive payment, they can remove the late knowing that this claim was under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companys involved did not properly verify this account under the fair credit reporting act section 609 and fair credit reporting act 15 USC 1681 ( a ) the companys are In violation of my rights. Equifax knowingly keeps reporting inaccuracies on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the aconsumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected.

Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I submitted a dispute through Transunion for a supposed medical debt that I owed on XX/XX/2019. It is now XX/XX/XXXX with no resolution. The credit bureau has 30 days to determine if the disputed information is correct or incorrect. If it isn't resolved within those 30 days, the creditor must delete it. I called Transunion and the representative told me that this department handling my dispute wasn't open and that she couldn't access my file. I would like this removed from my credit report due to the fact that it has been over 30 days with no response. Thank you.
Product: Credit reporting or other personal consumer reports

I personally submitted the removal of old accounts & late payments in 2021 and now all this old information & incorrect infor have been placed back on my credit report, Experian has distorted my information & deleted what I entered on their app Experian has put back all the old addresses & phone numbers used for magazine subscriptions > and after using app to dispute the issues. same day Experian stated my account is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.
Product: Checking or savings account

For over a year Ive had many times My cards keep getting compromised and bank charges me fees when card gets compromised due to fraud.
Product: Debt collection

Key 2 Recovery INC are attempting to EXTORT me and DESTROY my name as well as credit. Key 2 Recovery and I have never entered into any contractual agreement. They are attempting to EXTORT me out of {$670.00}, in doing so they have been calling harassing, bulling, and threatening me and my family about this fraudulent debt.