23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased a Western Union money order from a XXXXXXXX XXXX XXXX in the amount of {$520.00} to use for a down payment on an apartment I was considering. I handed the money order to the potential apartment management team member, and she immediately stamped the company name on the money order Pay To The Order Of line. On XX/XX/year> I realized I would not be able to proceed with the application for the apartment and was thankful to find out that the apartment management team had not deposited or cashed the money order and they were able to hand me back the original money order. I proceeded to obtain a refund from the XXXX XXXX XXXX where I purchased the money order, but was informed there is a XXXX waiting period before a refund can be made. I waited the XXXX days and returned to the location on XX/XX/year> and was then told they would not be able to process a refund due to the XXXX XXXX XXXX XXXX XXXX XXXX having already been filled out. I then called the customer service phone number for Western Union and through their automated system, received instructions on how to obtain a refund for their money orders. 
The instructions specified for me to fill out their online refund request form and attach a copy of the money order receipt. I completed the form, attached the money order receipt and received and email with a case number : XXXX on the same day I submitted the request, XX/XX/year>. The email stated after review, if cash pick-up is chosen, I would receive a control number in about XXXX days to use at any Western Union location to obtain my cash back. I did not receive the email with the control number, so I called the customer care line on XX/XX/year> and spoke with a representative by the name of XXXX who stated my refund request is still being processed and that Western Union would be in touch with via email. On XX/XX/year> I received another email from Western Union stating that they needed additional documentation and that it must be received by their office within XXXX business days. I sent the requested documents on XX/XX/year> to comply with the XXXX days guidelines. The documents I sent are attached ( copy of original money order front and back, copy of the original money order receipt front and back and a copy of the sales receipt front and back from the XXXX XXXX XXXX where I made the purchase ). I did not receive a response. So I called customer care again on XX/XX/year> and spoke with a representative by the name of XXXX  who informed me that the case ( XXXX ) has been closed, but he could see that I did comply and submit all requested documents so he reopened the case and provided me with a new case number : XXXX. XXXX advised that he would escalate the case for review as a priority escalation. I have not received any correspondence from Western Union since speaking with the representative XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint XXXX regarding Experian reporting a past due account with a XXXX XXXX that I have no knowledge of or authorize. Experian states they investigated the account and have determined the account to be legitimate. After the initial dispute, I again disputed the account and requested an original signed application, billing statements and method used to validate the debt on the original dispute. Experian then sent me another letter REFUSING to investigate the issue any further but, answered the CFPB complaint saying they reinvestigated the account. The account is not legitimate, is showing on my credit report and has caused my score to drastically drop preventing me from refinancing my home. I need Experian to remove the account. I have attempted to file a police report but, without knowing who opened the account, I can not prove a crime has been committed- it is a records error at this point! Please help
Product: Debt collection

I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX XXXX   for an auto loan that they charged off on XX/XX/XXXX. Renasant Bank then merged with XXXX XXXX after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid one for right off on taxes a two for money out my pocket.
Product: Payday loan, title loan, or personal loan

We have a line of credit ( overdraft account ) that we have not been able to close. Fees keep getting charged that we cant seem to get the bank to close it. We have paid the account off again after being reported to the credit bureau the months of XXXX and XXXXXXXX XXXX XXXX We realized the account was still open due to the sudden drop in our credit scores. The account was closed again in XXXXXXXX XXXX XXXX. TD Bank acknowledges that the account should have been closed in XXXX but only offers that we start a handwritten appeal process to resolve the credit reporting issue. All the other accounts that we had with this bank were closed years ago, but we still Paid off fees that seem to accrue even though we no longer have access to the accounts. I requested the history on the accounts, but couldnt get to the correct person or division to help me.
Product: Debt collection

This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request that XXXX block the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report. Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is contacting my husband and his relatives, using my maiden name. Not quite sure how or where they got my information or their information to begin with, but they are going by the company name MAC. Me and my husband recently bought a house using a VA loan and i am the veteran, so I had to clear up all my debts. Not sure who this company is or why they are contacting people outside of my family. They are asking them for references.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been driving with XXXX for a couple months and had applied to a different service called XXXX for additional extra money. The company requires me to run background check through Checkr, where the company Checkr also reported its findings to a completely different company than I had been applying to ( XXXX ). A step further from that, the information that was reported stemmed from a background check was from nothing more than an an accusation which I had been to court, found not guilty of, and ultimately dismissed for. This information had been on my record long before I had considered driving for XXXX, it was there ( dismissed ) while in process of driving for XXXX and Checkr initially ran the background check so Im just not sure why this company illegally reported information that they have no business or consent to do so placing me put of work. I would like to personally be contacted and compensated for the monies that were lost for this unlawful reporting as I have been back and forth in communication with the company via email and they are VERY slow with responses, thanks.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Sears XXXX Citi Bank XXXX XXXX XXXX has put me in 30 days late payment without issuing the credit card. The Sears XXXX XXXX XXXX has put me in late payment in all three credit bureau viz. XXXXXXXX XXXX  and XXXX. In XXXX XXXX one of the cashier in Sears store opened the credit card for me. But the guy entered all the wrong information about me. Because of which I could never get the credit card.In XXXX XXXX Sears XXXX Citi Bank put me in late payment of {$6.00} without letting me know I need to make the payment. I even did not know what was that XXXX dollars for. After seeing a drastic drop in my credit score I called the bank and paid the amount. But the late payment is still in my credit history. I want the late payment to be removed. I had XXXX credit card accounts with the bank. And the late payment is showing in both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA and Account : .UPSTART NETWORK INCXXXX XXXX Date opened XX/XX/XXXX Balance : {$20000.00}, that is 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 the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.
Product: Debt collection

To Whom it may concern I have received information regarding a debt that is being claimed against me. Through my rights in accordance 15 U.S.C 1692g FDCPA violation. They failed to send me required and requested documents to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I disputed the late charges reported on my credit reports by M & T Bank regarding my mortgage account. These charges were incurred while my account was in active court proceedings with legal representation in an effort to prevent foreclosure. As such, these late fees should not have been applied during this period. 

I have previously disputed this information with the credit reporting agencies, but the outcome returned was " verified and updated '' and " verified as accurate ''. However, I believe this determination is incorrect based on the legal status of my account at the time. I also have documentation to substantiate my claim, including my identification, records showing the dates when legal proceedings began, when they concluded, and my Experian Dispute Results. 

Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau review my dispute and require M & T Bank to remove these erroneous late charges from my credit reports. These late charges are unfairly impacting my credit standing and should not be reported as delinquencies since my account was subject to legal proceedings beyond my control. I appreciate your attention to this matter and look forward to your prompt review and response. Please let me know if additional information is required.
Product: Credit card

On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
************************************************************************************ 1 ) Have asked for a final settlement on XXXX/XXXX/16 in order to pay in full - Chase refused to comply. 
2 ) XXXX/XXXX/16 Chase issued a regular settlement, the same day I received the statement I made a full payment, including the disputed amount. 
XXXX/XXXX/16 Chase notified me of residual balance of {$9.00} interest for the time they issued the statement. 

Clearly I asked them before to settle in full and Chase refused, this is fraud.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 13 credit inquiries that I did not authorize. Please remove them in the next 10 days as I did not give you permission to cause damages to my profile. This demand is and will be used for legal purposes as my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries, i have no knowledge of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
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 fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 three 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 XXXXThis 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 n 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago I bought a tv from XXXX. The tv was $ XXXX {$400.00} dollars. I paid the tv off, however the company didnt report that I paid the tv off and decided to charge me an insanely amount of interest and late fees. Now the balance is well over {$700.00} when I paid the tv off and the tv was it even worth that much!!
Product: Mortgage

My mortgage loan was purchased from XXXX  XXXX XXXX by Select Portfolio Servicing XXXX Inc., out of XXXX XXXX XXXX, Utah. I was notified by mail by XXXX, but notification was sent to the wrong address. I contacted XXXX when mortgage money hadn't been taken out of my account ( automatically ) by the end of the month ( due the XXXX ). I was told by XXXX that I had a two month " grace period '' to pay the new mortgage holder. I paid SPS two month 's mortgage, before the XXXX of the month the following month, as it took a week or so to obtain SPS 's mailing address, my new account number, etc. At that time the mortgage payment was {$1500.00}. Before any type of rate hike happened by the Federal Reserve, SPS raised my payment amount to {$1600.00}. When I called SPS for an explanation, I was told it was their prerogative as I had paid my mortgage ( 2 month 's worth ) after the first of the month ( but before the payment was late on the XXXX? ). Moreover, every month upon receiving my statement, SPS indicates that what I owe is {$3200.00} XXXX charging me interest on this larger amount rather than the {$1600.00} - the amount I really owe ). This additional principal balance is what I am being charged interest on, and they add this additional {$1600.00} principal balance on the XXXX of the month - two days before the payment would actually be late. If you look at my monthly statements, although they show this {$3200.00}, there never is any late charges because I am never late paying the mortgage amount of {$1600.00} XXXX which again, should be {$1500.00}, not their arbitrary amount of {$1600.00} XXXX. SPS also attempted to charge me PMI, although this loan is a land loan ( and I also have my own private insurance on the property ). SPS simply won't remove this additional {$1600.00} XXXX for a total of {$3200.00} XXXX from my monthly principal balance owed, and again, are charging me a higher amount of interest each month for this inflated {$3200.00} balance they put on my statement each month. I would appreciate some help in getting my payment amount of {$1500.00} reinstated, and reimbursement for the additional interest amount they are charging me each month by doubling my payment amount on each statement ( again, my payment has never been late ). Further, I want reimbursement for the additional amount that SPS is charging me each month - from the {$1500.00} my payment amount is supposed to be to the arbitrary amount SPS is now charging me of {$1600.00}. Please note, again, at the time SPS raised my payment amount from {$1500.00} to {$1600.00}, there had been no rate hike by the Federal Reserve.
Product: Mortgage

I have a mortgage with Chase with automated payment. 

Their online system does not work and their customer service to correct the issue was incompetent and burdensome. 

on XX/XX/XXXX i tried to edit my automated payment amount to remove the {$400.00} additional principal payment that brought my total payment to {$4100.00} and change the payment date to the XXXX day of the month from the XXXX of the month I checked on XX/XX/XXXX and when it did not update, I tried to edit online again. 

On XX/XX/XXXX I called Chase customer service who claimed they updated it so that it would be effective for current month payment and would update on XX/XX/XXXX I checked online on XX/XX/XXXX and it still had not updated. 

Chase deducted on XX/XX/XXXX the amount of {$4100.00} or {$400.00} more than I needed which caused me additional duress. 

The amount showing online still is {$4100.00} but they have changed it to the XXXX of the month for future payments.

Chase customer service is incompetent and their online system is ineffective.