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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EQX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.
Product: Credit reporting or other personal consumer reports

I Disputed this account with XXXX and it came back verified. This is not my account so it could not come back as XXXX. I have no knowledge of an account with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Employer - XXXX XXXX  Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXXOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items XXXX XXXX XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX
Product: Consumer Loan

They call us and harass us and I let them know our problem me they threaten us to take my husband pay and get other involved we stop payment do to low funds told them we could only afford XXXX we bought stuff worth over 2000 but have to pay them XXXX they scam military members plus the items we bought was like 2 years old and always out of date
Product: Credit card

On XX/XX/year>, I received an unsolicited and without my permission a mailing from Netspend that contained a Netspend Debit Card with the Visa logo. No explanation as to why but full of instructions of how to activate it and upgrade. I should note that it had an incorrect first name - the name on the card and " the account '' is : XXXX XXXX. Never heard of that person. This is a scam and a fraud. People can get themselves into financial debt with this swindle. Please investigate and make them stop sending debit cards without people 's permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Is accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC FAIR XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A.states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Prepaid card

On are about the date of XX/XX/year>2021 the card company chime withheld my savings stating suspicious activity which they did not verify and after sending copy of my real ID state issued driver 's license, social security card, and birth certificate the merely closed my account and kept my funds in seeking damages plus interest on the amount taken from me. I filed a complaint with the XXXX.and received no help. I would like to be a recipient of the payout chime has been ordered to pay for it's unlawful activities. XXXX XXXX ssn # XXXX contact XXXX
Product: Debt collection

I discovered Spring Oaks Capital LLC posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX  collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act Jefferson Capital Systems Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are inquiries on my report that I did not consent. It is against the law to report inaccurate information.
Product: Mortgage

I am currently in review for a loan modification and have a sale date scheduled on XXXX/XXXX/15. I had previously been approved for a loan modification but the paperwork was sent to the wrong address because my property has XXXX XXXX. Needless to say I never received the paperwork and now I have to start over. Now I am being told that because I have a foreclosure sale date on XXXX/XXXX/15 there is not enough time to complete the modification review. Please help get the sale postponed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with Experian also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with Experian, XXXX and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at Experian. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Transunion due to 8 items on my credit report being shown with a current status of " 120 days past due ''. Now since these accounts were paid in full and have a XXXX  balance they can not also be past due and a violation of my rights. Furthermore due to these student loans being discharged due to being XXXX and XXXX XXXX they should have been removed as I am not responsible for these accounts. On XXXX XXXX I received a response stating the items were updated or remains. On XXXX XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXXjust stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Product: Credit card

I called Chase Card Services on XXXX XXXX, XXXX and told the XXXX to pay my entire balance on my card that day via a link to my checking account. Around XX/XX/2023, I got my next monthly bill from Chase and found there was a late charge and penalty because my XXXX XXXX purportedly wasn't paid. I spent hour on the phone fighting with various persons at Chase telling them the Chase agent was at fault, that she was clearly directed to pay my bill immediately, not a month later. I paid both my XXXX and XXXX XXXX but refused to pay the late fees. Chase reviewed my case, determined I was correct and their rep was at fault. They removed the late fees. I asked a supervisor if Chase sent negative information about this later payment to the XXXX credit bureaus. I was told they did not. Negative information is only sent if a payment isn't made for two months, not one, was the information I received. I sent a letter of complaint to Chase asking them how this could have happened and why I should trust their customer service people to EVER make a correct debit to my checking account again. Chase responded with a letter that answered none of my questions. The letter was vague and unclear but seemed to indicate they might have sent negative information to the credit bureaus. I contacted the woman at Chase Executive Services who was assigned to my account. I have now called her 15 times. She is never available. I told her voice mail what dates and time I am available ( I have a job and can't answer a cell phone at work ). She called me back once, during a time when I told her I was NOT AVAILABLE. I finally asked for a supervisor to call me. XXXX never did. I called again and asked for a supervisor, gave the times I was available. He also called me during a time I was not available! I have written Chase two letters ; none of my questions have been answered. I don't know if they have contacted the credit bureaus or not because I'm getting conflicting information from them. They won't call me ; they ignore my letters. This is unacceptable. I'm left in the lurch because they have poor staff who aren't trained well. Their errors becomes my problems, yet they won't talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this late payment with experian for 5 months. they will not update the error they have reporting from XX/XX/2022 that says my rocket mortgage account is 30 days late. Its not late and it needs to be update. XXXX and XXXX doesn't have it reported late which i have uploaded below. I am not understanding why experian keeps saying its verified when i have evidence that shows its inaccurate. This error has me getting denied for credit cards and home loans which is living me home less at the moment. I would really like this account fixed asap
Product: Mortgage

My mortgage servicer pays my property taxes. My husband is a 100 % XXXX veteran who is eligible for the WI state property tax credit. Property taxes are to be paid by the end of the year and we must submit a receipt from our city treasurer when our taxes are filed showing taxes were paid by the end of the year being claimed. I called XXXX treasurer to obtain a receipt and was told the taxes had not been paid. This was the third week of XXXX XXXX have tried to contact the company several times over the past three weeks. I am put on hold for long periods, then get told they will escalate my issue, but nothing happens. City is showing our tax payment posted on XX/XX/2021. I need the mortgage servicer to contact the city treasurer to correct their error. We rely on the tax credit refund to enhance our retired income. My mortgage servicer is LoanCare. I also found out that they use a third party payer which we were unaware of.
Product: Debt collection

XXXX XXXX XXXX reported debt I did not owe to Hunter Warfield for collection. I have written letters to XXXX XXXX and contacted Hunter Warfield via telephone to try to resolve debt. Unsuccessful.
Product: Credit card or prepaid card

hi Kikoff Lending llc ( # XXXX ) ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 FOR 30 DAYS+? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

On XX/XX/year>, my vehicle was XXXX  by XXXX XXXX XXXX XXXX in XXXX XXXX. Upon retrieving my XXXX, I was charged {$220.00}, which I paid under protest. I later discovered that this amount exceeded the maximum towing fee of {$100.00} permitted under XXXX XXXX XXXX XXXX ( C ) ( XXXX ). Additionally, I was charged a {$50.00} storage fee, despite retrieving my vehicle within XXXX hours of the XXXX XXXX XXXX opening, which should have exempted me from any storage fees as per XXXX ( C ) ( XXXX ) ( d ). Furthermore, I was charged a {$50.00} after-hours gate fee, a charge not authorized by the city code. 

Moreover, XXXX XXXX XXXX XXXX did not provide me with an itemized invoice prior to processing the payment, denying me the opportunity to review and contest the charges beforehand. 

I disputed this charge with American Express, providing documentation of these violations. In response, XXXX XXXX XXXX XXXX submitted evidence that included unauthorized photographs of my driver 's license and credit card, taken without my consent. This action violates American Express 's policies, which prohibit merchants from disclosing, using, or storing XXXX XXXX beyond what is necessary to facilitate transactions. Specifically, the American Express XXXX XXXX XXXX states : XXXX " Merchants generally must not disclose Cardmember Information, nor use nor store it, other than to facilitate Transactions at their Establishments in accordance with the Agreement. '' Despite my efforts to resolve this issue directly with XXXX XXXX XXXX XXXX, including requests for their insurance information and compliance documentation, the company has not provided the requested information. Additionally, they refused to release my vehicle until I paid the disputed fees, effectively holding my XXXX XXXX which is prohibited under XXXX XXXX XXXX XXXX ( XXXX ). Therefore, according to XXXX XXXX, the XXXX XXXX is not entitled to the fees they imposed. 

American Express initially denied my dispute. Given the documented violations of city code and the improper handling of my personal information, I am seeking a reconsideration of this decision and a full refund of the disputed amount.
Product: Mortgage

Approximately 3-4 months ago, I contacted my mortgage servicing company, Specialized Loan Servicing about a legal description change on my property and a partial release of deed of trust. I contacted them several times and were given several conflicting answers not only on facts of what needed to be done to solve my issue, but also in how they operate. When my phone calls got difficult where I was inquiring and asking why I was told wrong, the call would some how be disconnected and you would have to dial in again. This happened on at least 6 occasions ( and as I am typing and waiting for a person in the Executive Services department, it just happened again! ) They advised me that for a legal description change I needed to contact the investor on my mortgage. I had to write a letter to SLS requesting the information and then contacted XXXX XXXX. XXXX XXXX advised me they do n't handle legal descriptions and when I told them I had already spent over 2 months with no resolve with SLS, they offered to assist me. XXXX XXXX has now been working the case for over 6 weeks and also does n't have resolution. So today I decided to call SLS to get a status. As I just mentioned, I was routed to 4 departments and spent over 40 minutes on the phone and just got connected to a LEVEL 3 representative who told me to hold while he researched my situation and, once again, after a couple of minutes the call was disconnected. I have always called in from a land line so either they are having consistently large phone issues or this is a tactic for their call center reps to just get you off the phone because they do n't know how to help you. I am holding up a large community project with the XXXX XXXX XXXX because SLS is not working with me to provide me the information needed to finalize my piece of the project with the City. I am writing you because I have never had such extremely poor customer service phone issues along with such horrendous accuracy issues with a financial institution. You can barely get a supervisor on the phone and EVERY question needs to be answered by a call center rep who can not even view your information. They will never let you talk to a person in the back office who is working directly on your case. Just to help provide a comparison, I recently worked with an elderly neighbor to conduct the same task with his mortgage company and it was solved in 4 weeks. I am sitting at close to 4 months with no resolution and need a manager to reach out to me to get this done. It is hard to believe that a company with these practices can stay in business. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting allows organizations initially resolved in bankruptcy to resubmit debt under different names. No identification. No honoring judge legal order. No following FCR laws. I paid previously during time required. I never applied for other credit but system process and freezes consistently fail me. Its illegal after years of bankruptcy process and instructions to SIMPLY MAKE ME START OVER. Equifax,  XXXX , and Others. My problem is Known unfair practices!
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 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.