23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received mail from USPS from XXXX XXXX XXXX XXXX about the following : Creditor : PayPal , Inc . 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to Paypal directly and they do not have any account number listed presently or in the past. I currently have an account with Paypal and it is in good standing.
Product: Debt collection

The original creditor is XXXX XXXX. XX/XX/year> Statement balance was {$430.00}. I could not access account to pay and next I know I received collections from Midland Credit Management Inc for XXXX XXXXXXXX. They took me to court and could not provide statement past the {$430.00} amount mentioned above ; someone still was awarded " split cost '' which somehow totaled XXXX XXXXXXXX. Although no amount ever mentioned past XXXX XXXXXXXX, they put that I owed {$1000.00} on my credit history as a new account as if I recently created the debt owed. Although debt was created back in XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges to all of my accounts. XXXX XXXX XXXX has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. I submitted DC police report XXXX. XXXX XXXXXXXX XXXX  and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in documents to Both XXXX and Equifax. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.
Product: Credit reporting or other personal consumer reports

XXXX ' XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I sent a letter to you disputing XXXX accounts as erroneous on XXXX certified mail, return receipt requested. I received notice in the mail that you received the dispute on on XXXX. It is now XX/XX/XXXX and I have not received a response from you. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This loan was a VOLUNTARY repossession of vehicle. This was a give back. Amount stated that's owed is incorrect. Account has been closed and I'm requesting original documents and this be fixed and deleted from my report
Product: Money transfer, virtual currency, or money service

I am filling a complete against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer 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. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

TransUnion lowered my XXXX XXXX by more than a XXXX points about XXXX weeks ago. 
Their mistake was their failure to include any of the accounts I was paying on time. 
They had reported them the previous month. 
I filed a dispute in proper form almost XXXX weeks ago. 
When I tried to check on it this evening I received the " run around '' for more than an hour. Changing my login credentials was also requested, but nothing was changed. 
And this occurred when I believe I had a paid subscription to TransUnion 's Credit Monitoring service. 
In any event, it appears that TransUnion is violating the Fair Credit Reporting Act and Consumer Protection Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS EXPERIAN, XXXX AND XXXX.
Product: Debt collection

Collection agency failed to respond to validation request per Texas finance code TFC 392. In retaliation, agency illegally reported to credit bureau. 

Collection agency is NOT bonded for collection in Texas, thus is unlawfully attempting to collect an alleged debt. 

They must remove BOTH trade lines from credit report or will be sued.
Product: Payday loan, title loan, or personal loan

Called Big Picture loans on XX/XX/XXXX to pay off loan in full. Principal Balance on account page states {$540.00}. However, The amount to pay the loan in full was {$810.00}. This loan was taken out inn XX/XX/XXXX. The account that they have on file for me to pay my payments with had to be closed due to possible fraudulent activity. I opened a new account and requested that they update my banking information, They said that they would have to email me a ACH Authorization form. That request was made at XXXX XXXX today XX/XX/XXXX. Still have yet to receive the form. I had previously requested this form and it had gone to my spam folder. I completed the form with my new banking information and sent it back at XXXX XX/XX/XXXX and they sent a confirmation back stating that they had received the form. I called them again at XXXX XXXX and requested to pay off my loan and once again they claim they have not received the updated banking information. Said they would contact their email support department and call me back. Still have not heard from them. It is now XXXX. XX/XX/XXXX. This loan accrues {$10.00} per day in interest charges. They purposely delay and have stall tactics to get more interest on the loan. I refuse to pay them one more day interest due to their slow and deliberate delay to accept my payment in full for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX credit bureaus are resting a XXXX  XXXX that is reflecting on my credit report, information stating that TransUnion and XXXX claim the information was verified as accurate through the XXXX  XXXX courts. 

I have sent in numerous of times a certified letter from the XXXX  XXXX court that it clearly state that the XXXX  XXXX courts to not share or report any information to any credit bureaus but they refuse to remove or have written information of verification of this.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA XXXX Balance {$850.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Credit card

On XX/XX/year>, I received an email from Chase and Marriott for the Marriott XXXX XXXX credit card with a link to a promotional offer of 3 free nights, value up to XXXX bonus points, after spending {$3000.00} in the first 3 months. I clicked on that promotional link to open the card. When I received the card in the mail it came with a different promotion, or a {$350.00} e-gift card and only XXXX bonus points after spending {$3000.00} in the first 3 months. I immediately called Chase and Marriott ( and did so continuously over the next weeks that followed ) and informed them of the incorrect offer. Every person I spoke to from both Chase and Marriott told me " no problem, we can see the offer on our end, wait until you hit the spend threshold, wait until it posts, then give us a call and we'll adjust the offer. '' I said great, no problem. At no point in time have I spent the {$350.00} gift card. In the meantime, I hit the spend threshold, waited until it posted, and again called Chase and Marriott. I again was told no problem, just upload into the message center online for Chase a picture of the email promotion and we'll get it changed. I uploaded the picture and then received a message back saying they can not do the offer anymore. I inquired multiple times saying how can this be when every single person told me it was no problem. I inquired again. As of this morning, I was told by Chase that they will not respond to me unless I have new or additional information. I explained to them that I clicked that specific offer for a reason - and as they know, customers wait for different offers and choose the one they want. I still have no explanation as to why I can't get the offer I was promised. I would like this fixed and that I be provided some type of compensation for the lack of transparency, lack of receiving the offer I specifically clicked, and deceitfulness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first complaint with equifax on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint and has added 2 duplicated copies of the same fraudulent account to my credit report dropping my score even further. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! Now i'm being forced to cancel my 1 previous dispute because Equifax has added 2 extra collection accounts that are exact duplicates of the one account that I am disputed, and its has furthermore, hurt my credit score! Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is associated with complaint # XXXX and XXXX. Continental Finance and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with Continental Finance/XXXX Credit Card and XXXX repeatedly about this concern. I finally was able to speak with XXXX at extension # XXXX from Continental Finance. He had reached out to the Continental Finance/XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me today XX/XX/2018 to tell me that XXXX needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and XXXX to block any updates to my account. Continental Finance/XXXX has confirmed this issue is due to XXXX XXXX system and XXXX has confirmed that the an issue is with Continental Finance 's system. My account has not been update with my XXXX credit report since XX/XX/2018.
Product: Debt collection

XXXX XXXX XXXX issued a policy for an individual with my same name and using my address. Birth date and driver license are different. The policy went unpaid. They then submitted it to Caine and Weiner a debt collector who reached out to me on repeated occasion and to whom I provided my birth date and explained debt does not belong to me. 

Debt collector submitted the claim to my credit report significantly affecting my records. 

I reached out to XXXX  and have spent several weeks trying to resolve this matter, I submitted copy of my drivers license to prove I am not the owner of that policy. They called me back saying that in fact it is a mistake and that I had to dispute the charge with credit report company and debt collector. 

3 weeks later, debt collector updated the claim with credit bureau saying I am responsible for debt. Today I had to start a new claim with XXXX. 

XXXX issued this fraudulent claim under my name, has made no serious attempts at resolving this matter, has provided me with false information saying it was resolved, refused to send me any outcome in writing saying they only call individuals about these matters, leaving no trace or records. The burden has been on me to clear my name of this wrong debt and not on them to prove it belongs to me.
Product: Debt collection

I had an Old account with cash call that was sold to a completely different 3rd party company and a completely different scam company started to call me almost 5 times a day and began calling my references and family members who were never listed as references. The person named XXXX was threatening me with legal action and was very aggressive and rude. I dont feel i should have to tolerate any kind of harassment from anyone for a past due account. I think i would be better off filing for bankruptcy at this point because i cant afford to pay this bill at this time.
Product: Debt collection

They have XXXX different names : NPG, XXXX XXXX XXXX and XXXX. I have a answered several calls from this scam. They say they are gon na have the sheriff serve me with papers at work, then have me arrested, then sue me. These people are the most unprofessional, soulless, rude scammers. When I tried to find out what kind of company this was, I was hung up on, the first time. The second time I was refused a supervisor. The third time I was transferred to someone that called herself a supervisor who still just tried to get personal information from me, when I refused she said good luck in court and hung up the phone. I speak directly to any company I do business with. This so called company needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began receiving collection notices from CAINE AND WIENER ( C & W ) via email around XX/XX/XXXX stating that I owed money to its client XXXX  ( auto insurance ) in the amount of {$400.00}. I contacted C & W directly to inform them that this account was not opened by me and that I had no knowledge of it at all. They suggested that i call XXXX directly to investigate furthed which i then did with no avail! I disputed the collection account SEVERAL times claiming ths same thing - That the account was not mine mor did i have any knowledge of the account, however all my dispute claims where said to have been investigated and found as accurate. This incorrect collection account has not only caused extensive damage to my credit report ( because it is very thin making a negative account very damaging ) but has also cost several hours of my time and has even prevented me from finding better housing opportunities for my family and I. If this company would ACTUALLY investigate these dispute claims they would know that this account IS NOT MINE because I havent owed a vehicle ( let alone needed insurance services ) since XXXX of XXXX!!
Product: Consumer Loan

I purchased a XXXX through a XXXX dealer and financed it through Hyundai Motor Finance ( HMF ). I set up autopay to HMF from my checking account. The loan was paid off in XXXX of 2015. HMF debited my account more than was due for the final payment. Then HMF continued to debit my account each month after the loan was paid off ( and after I had received the pink slip from the California DMV ). I called HMF on XXXX XXXX to revoke autopay and to get my money back. Autopay should have been automatically stopped when the loan was paid. I repeatedly asked HMF why this did n't happen but no one would answer the question. HMF insisted that the only way to return the funds was via paper check after XXXX business days. They did not revoke autopay and debited my account again in XXXX. How is this legal? If you pay off a mortgage the bank does n't keep taking payments. Why is this different? I should be compensated for the loss of use of the funds illegally debited from my account.
Product: Credit card or prepaid card

Offer from Am express for Hilton Surpass card - Extend your Hilton Diamond Status through XX/XX/XXXX offer Code XXXX Card XXXX  XXXX received XX/XX/XXXX Offer not honored inspite of meeting the spending requirements and multiple calls to Am Express and Hilton Honors.
Product: Credit card or prepaid card

I got an alert from my credit report service that Bank of America had a credit inquiry against me on XX/XX/2021. I have never authorized Bank of America to check my credit. I have never had any business with Bank of America. I called Bank of America on XX/XX/2021 and was told a credit card account under my name is pending for approval. I was told the fraudulent account is being closed upon my report. I also emailed Bank of America security department to report this unauthorized transaction. I thought everything has been taken care. However, I just received a letter only in Spanish from Bank of America today. I am not a Spanish speaker and do not understand Spanish at all. I am afraid Bank of America did not take care the fraudulent transaction.
Product: Checking or savings account

Today, XX/XX/year> I got a call from ( XXXX ) XXXX at XXXX XXXX. 

The lady on the phone said her name was XXXX and she was with Sofi. 

She asked me to verify personal information like social security and date of birth and I told her I don't provide personal information over the phone to random people who call me. 

She proceeded to ask me several questions related to my account, but she was unable to explain why she was asking them. Some of the questions were XXXX. For instance, she asked me where my XXXX XXXX  check comes from and I said " XXXX '' and she asked me for the office. XXXX 's a big company I don't know who writes their checks, if they have an issue with XXXX they should take it up with XXXX. 

This was a very frustrating experience because she refused to provide a timeline on when my account will be reopened. I explained I talked to someone else but she said she was unable to talk to the customer service group. 

I really think there's something wrong with Sofi. If they are unable to honor their deposits they are in receivership and should be referred to the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax has refused to dispute a item on my credit report and ask me to resend the documents again and again after my hard money is spend with my debit card and I barely have any money in my checking account and unemployed right now and they received my documents on the XXXX and told me it was invalid for unknown reasons and wouldnt dispute XXXX XXXX This account is not in dispute Equifax wont remove it or dispute it and I dont have to resend documents over and over and I send the recent documents on the XXXX XXXX and the agent from office of consumer affairs was rude to me and disconnected the call on me twice and wouldnt track my mail and I told him I want speak to us dept and he refused and hang up on me Certified mail tracking number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor- XXXX XXXX has been reporting inaccurate information on my credit report Specifically the account from 2018 with several late payments, the late payments are inaccurate and I would like the consumer reporting companies to either update to on time or remove the account completely, as a consumer I have the right opt out of my information being reported Under the fair credit reporting act 15 USC 1681a 2 specifically under the exclusions it says that a consumer transactions and experiences are not to be reported on the consumer report I want to exercise my right either have all late payments from from XXXX XXXX  in 2018 or update account to on time. Account is reporting inaccurate information XXXX  said that late payments were verified but then changed the information, if information was verified and accurate why was information different on update? Please correct this issue