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

On or about XXXX, I opened up a line of credit ( HELOC ) with XXXX XXXX  now known as XXXX XXXX XXXX  for {$47000.00}. On XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit with XXXX XXXX  and closed the account. Once the check was processed, XXXX XXXX  was directed to forward Register of Deeds Office the original Note and Deed of Trust marked " PAID AND SATISFIED IN FULL '' in order that same may be cancelled of record. Should they have any question, they were directed to contact the closing agency XXXX XXXX XXXX. At XXXX XXXXXXXX XXXX XXXX., then directed them by law and request of XXXX XXXX XXXX, to please, close this account and cancel any related security instrument immediately. Please see attached letter from XXXX XXXX firm directed to XXXXXXXX XXXX  Payoff Department XXXX # XXXX, XXXX XXXX  ( Payoff letter with Payoff Effective Date ) showing and proving the payoff amount with ( Per Diem Amount ) Showing and proving the loan was paid off in the correct amount. Also Authorization To Close Home Equity Line Of Credit Account, please review. Attached also is a copy of a police report, FTA Report, Closing documentations. 
I have not or never opened another account with XXXX XXXX XXXX XXXX XXXX XXXX. I have specifically asked for VALIDATION of any INSTRUMENT or CONTRACT Bearing my signature, Pursuant to the Fair Debt Collections Practices Act, Section 809 ( b ), Validating Debts. They're are numerous Violations within the credit reporting from XXXX XXXX XXXX. They are reporting 4years late a180days every month and by law is a violation. If the account in question was in fact mine or anyone 's for that matter. 

" NOTE '' National banks and federal savings associations must follow federal rules and guidelines for charge-offs. Both types of financial institutions must charge-off delinquent installment accounts at 120 days or five missed payments, and credit cards at " 180 days past due after seven zero billings '' ( Allowance for Loan and Lease Losses ( PDF ), Comptroller of the Currency Administrator of National Banks ). I also have attached the false reporting, Showing, High Balance {$9200.00}, Reported Balance {$10000.00} and they still have the account status as OPEN, Payment Due {$0.00}, Date opened XX/XX/XXXX and month after month they add another 120day late which is against the law and a direct violation of the FDCA & FDCPA. Resulting in Open Date, History, Highest Balance, Term Payment Status Account Status, and Days late reporting on Experian Credit Reporting, completely false, inaccurate and simply not my account. I have disputed this account with Experian 3 or more times without the proper results after showing and proving my claim, backed with factual evidence and they are in direct violation, Along with XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  Update the reporting with Experian to 180days late every month for 3yrs and 120days late for over 1yr still showing major violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters to XXXX, Transunion, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?
Product: Money transfer, virtual currency, or money service

am filing a complaint 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 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm a victim of the XXXX data breach and have these accounts fraudulent and need to have them removed immediately I filed a identity theft report with the government pertaining to these accounts that were resulting from the XXXX data breach I have attached the accounts I'm disputing for removal the documents from my identity theft reports Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$98.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$790.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$300.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX  Account Number : XXXX Date that I discovered it : Total fraudulent XXXX {$840.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report
Product: Mortgage

PennyMac with full knowledge of a tax exemption granted to me by the State of Washington, due to age and XXXX, continues to collect and retain my full assessed tax. They claim they have, which amounts to {$20.00}. In reality my tax for the entire year is {$660.00} half payments of {$330.00} due in XXXX and XXXX My escrow account as of this date contains approximately {$4700.00} The tax exemption was granted to me in XXXX and with numerous attempts to solve this, they continue to make up excuses. Even though through taxes records and insurance, XXXX which I pay in MY name from MY bank account they insist my ex-husband has responsibly for the house that I own and have lived in 21 years The property is in MY name only. I have been divorced since XXXX.
Product: Debt collection

I received a collection letter in the mail from Penn Credit On XX/XX/XXXX for a delinquen/ fraudulent utility account in amount of {$470.00} that was opened without my consent by XXXX XXXX XXXX I explained to the representative that the information that they had on file was incorrect and that I had never lived at that address that the utility company had provided them nor had I ever done business with XXXX XXXX. At that moment I realized that I had become a victim of identity theft. I was provided with XXXX XXXX contact information and was advised to report the discrepancy to them. I was also advised by Penn to file a police and identity theft report. The collections representative that I spoke to also provided additional accounts and addresses that appeared on their system as delinquent. These additional accounts which I have yet to receive a collection letter from Penn-Credit appeared to be linked to my name and social security number. I contacted XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX to report these accounts as fraudulent. An agent by the name of XXXX assisted ( {$470.00} ) me with one of the fraudulent accounts and another agent by the name of XXXX opened a total of 6 fraudulent disputes ( {$280.00} ; {$280.00} ; {$310.00} ; {$470.00} ; {$470.00} ; {$400.00} ) for me. XXXX provided a confirmation number ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) for each one of the accounts that she reported as fraudulent. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records ( Penn Credit ) and their own records. Both entities have be notified that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I reside at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I was told by XXXX XXXX that they would Investigating these fraudulent accounts in addition to getting them removed from the collection agency. I was also told by XXXX that someone from their company would be contacting me within 14 days and I have yet to hear back on the XXXX accounts that XXXX reported. I have been actively monitoring my credit report since XX/XX/XXXX. All three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity was stolen. I have filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to be placed on my credit reports and fraud alerts have been placed as well.
Product: Credit reporting

Experian sent back a partial response on XXXX/XXXX/2016 stating that the will respond within 60 days. By law they do not have 60 days. Experian has 30 days to respond to my complaint. Case number : XXXX this is the number connected to the case.
Product: Credit reporting

This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Experian continues to verify. 
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

My fraternity dues ' debt was sent to Parson Bishop for collection, though the amount they are stating is incorrect. They are saying I owe {$650.00} when I have an e-mail from the original creditor stating I only owe {$290.00} for the XX/XX/XXXX semester. They are charging me an additional semester ( XX/XX/XXXX ) for which I was already terminated and did not take any part of. My debt was recently reported on my credit and dropped my score over XXXX points. I was unable to pay before because of my low income, but have recently deferred my student loans while I get my XXXX, and plan to use those funds to pay off my debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I opened an account with Gemini. An app to buy and sell Crypto Currency. I wanted to buy some because it was all the rage. I deposited {$40.00} on that day. When I tried to withdraw the money it said I needed to verify my identity first. I sent the info and picture of my ID on XX/XX/2019. It then said " Pending Verification ''. And has said Pending since then. Since 2019 the {$40.00} Investment turned into {$200.00} and I still can not withdraw because it still says " Pending Verification. '' I am so angry and feel some kind of fraud is going on and have thought about talking to a lawyer about this. I have sent at least 10 emails and complaint to them but they have not responded even once. This is madness. This has happened to many people! I checked on XXXX and this is so common it now feels like a money laundering scheme.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX  XXXX department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired XXXX different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
Product: Debt collection

PRA is claiming no existing dispute with XXXX. This is false. They are claiming they have no records of direct disputes which me. This is also false. I have responses from PRA that attempt to validate the debt but have never shown any evidence to support that the existing dispute, directly with XXXX, was resolved. Again, PRA should have never acquired an account that is under dispute. PRA dates also can not possibly be accurate as they are claiming " In response to your dispute, PRA has sent a letter on or about XX/XX/2017, containing validation. '' but my CFTB dispute was filed on XX/XX/2017. You ca n't send a response before I even filed a dispute, and again I am not asking for validation. I am informing PRA of an existing dispute whereby they are not allowed to collect and the account needs to be sent back to the original creditor to comply with all applicable laws. Attempting to validate the debt by sending account statements does n't resolve the existing direct dispute with the original creditor, XXXX, nor does it prove the existing dispute was resolved.
Product: Credit card

On XX/XX/XXXX, I went to Capital One 's pre-approval website to see what kind of credit card they would offer me. I did this on other lenders sites around the same time to compare offers. I was able to accept the offer with a credit limit of {$3000.00} and from my memory I was offered a 0 % APR introductory period of 12 months. 

My understanding was that I would not begin being assesed interest until exactly one year from the date of my account creation. On XX/XX/XXXX, I was assessed an interest charge of {$75.00}, which came as a major shock ( I had never received an interest charge on the account before this date, despite carrying a balance on the card every month ). I contacted their customer service as soon as I noticed the charge on XX/XX/XXXX. I spoke with one representative who informed me that she did not have access to view the information of what my introductory offer was. This representative was able to confirm my account opening date of XX/XX/XXXX. I requested to speak with a supervisor due to the fact that the front-line associate did not have the information I needed to be able to resolve my concern. 

I then reached a supervisor by the name of XXXX ( spelling may be different ). We had a friendly conversation where I again, voiced my concern and was met with many policies and procedures that would not resolve my concern in what most people would consider a timely manner. The recurring point that XXXX made, despite my adamant nature to get this resolved, was that I could request my customer agreement ( which she said would have the introductory offer within this document ) from Capital One. She stated that it would take up to 30 days to produce the document and that I should allow up to an additional 10 days for the standard mailing times. My thoughts at this point were there was no way for me to resolve this before another interest charge and by that point the offer would have ended on XX/XX/XXXX... I also asked XXXX if she would be able to refund the interest charge, she stated that there were many factors that prevented her from refunding the charge in question. When I asked what the factors were, she informed me that it was against Capital One policy to disclose that information to clients. 

My biggest concerns here are that the initial agreement was not upheld. Then, when I tried to resolve this initial concern, that I was met with tremendous pushback and the customer service associates could not even publish or find the information needed that they should have to resolve this. It was then put on me to make requests for the initial agreement and investigate further. It should not be my job as the consumer to investigate and produce proof of what should already be recorded in their system. The information should also be readily available for their customer service reps to resolve these types of concerns. 

This situation was dishonest and unprofessional on Capital One 's part and no consumer should have to be put through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX