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

please see attachments for my identity theft report and i would like my personal information updated to the following because reasons of inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX
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 violates 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 card or prepaid card

I made a payment on my Home Depot credit card on XX/XX/2021, that went to my XX/XX/2021, interest-free promotion. I made an additional payment for {$64.00} and called after it posted to have it allocated specifically to a purchase I made in their store for {$64.00}. After being on hold for over an hour and a half, I got the rudest representative ever, XXXX. XXXX would NOT reallocate the funds as Home Depot has done in many years passed, because the XX/XX/2021 balance still had a balance. To which I explained it's XX/XX/XXXX, and that balance isn't due until XX/XX/2021. This is an extra payment to pay a purchase from accruing interest of 26.99 %. Nope, she wouldn't do it. She wouldn't give me to a supervisor either.
Product: Mortgage

I had a conventional mortgage. Each time I was curious about my payoff amount, I had to email the payoff department for that amount and each time I was charged a {$30.00} fee for this information. I find this fee excessive and predatory. Why should I have to pay money for a loan that I already pay dearly for? In this loan with Summit Funding I paid well over {$120.00} for payoff information. I did not request the demand letter but that was the only option offered with this group. I am tired of the consumer always being taken advantage of in these situations. I told my lender that I did not want to pay this fee, that I would send them money in excess of what I owed and they could send the over payment back to me so I could save {$30.00}. It was not an option. Additionally to make the final payment required other forms of transactions that came with bank charges to wire the money vs taking it from the same account that they have received payments for years. This is criminal. I want resolution to this criminal behavior from banking institutions that make money off of us at every corner. I look forward to your assistance with this issue. I will commit my retirement day to fighting for the consumer in these situations. It has to stop now.
Product: Vehicle loan or lease

Not at fault, they knew the first week. 70days {$0.00} My name is the only one on the title. My wife is on my insurance policy, full coverage {$300.00} a month. My wife was driving home from work, on XX/XX/XXXX. Another XXXX hit her. The man driving apologized, admitted fault and the officer at the scene also put full fault on the man that hit my wife. On the police report it says whos at fault. About 3 - 7 days in I called XXXX XXXX the 3rd party insurance. They told me my insurance is supposed to make me whole again, then get reimbursed when the case settles. So I called XXXX XXXX about the claim I put in the night it happened. They belittled me, by saying things like, well how would you know whos at fault, why would we pay that, stop calling us and let it play out, tell your wifes lawyer to help you, that car is not worth {$10000.00}, your claim is gon na be lost. What am I supposed to say. My car is a XXXX XXXX XXXX. She told me to call the place where my car is being stored, and give them permission to pick it up. Not knowing anything I did it. Now XXXX XXXX cant tell me where my car is. XXXX wanted to do an assessment to see the worth. How does a XXXX with 22inch rims come up missing. So now every call is them trying to give me XXXX for my car. They gave me a copy of their assessment, not one car cost XXXX, but Im supposed to except that, while being hung up on, and put on hold for long periods of time. So I get desperate like a month in, I except {$11000.00} and a claims check from a hit and run that happened months back of {$7700.00}. I figure when I get my claims check I can buy another car and Im able to pay off my loan. But to my surprise a week later my loan company let it slip out that they had my claims check had cashed it and wasnt going to put it toward my principal. I got so frustrated, I literally got sick. How can they do that, keep my money, meanwhile charging me fines and interest for late payments fees. Its 65 days past the accident and my insurance company hasnt given me a dime, or a phone call. I called every time. Its 70 days later and my total is {$0.00} I need help Im becoming depressed and desperate. My wife cant work cause she needs XXXX on her lower back.I really feel like its always gon na be this way. I have no voice, against these to companies I had to sign contracts with in order to drive away in my dream car. My insurance and loan company are ruining my life. LITERALLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continually reports this information from XXXX as accurate, when I have called and talked to them many times over the years. They have no record of the account in question and have probably deleted it due to fraud and even admitted so in a letter, and that they removed it from collection status and from the reporting beaurus. This is not accurate. 

It remains on Equifax and XXXX, both of them, and I can get neither removed and I am tired of complaining and getting nowhere. I even hired XXXX XXXX and another service, but they were not able to get XXXX removed from either Equifax or XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX bought my mortgage loan effective XX/XX/XXXX and sold it effective effective XX/XX/XXXX to XXXX XXXX  XXXX. 

I sent a RESPA QWR to Bayview requesting the production of documents surrounding the change of creditor/ownership and mortgage servicing transfer, on XX/XX/XXXX and again on XX/XX/XXXX. 

Bayview/XXXX XXXX response was basically they didn't have to answer because XXXX XXXX no longer owns the loan. 

While the mortgage servicing was somehow cancelled after effective date the loan was with XXXX XXXX XXXX for several days thus I believe XXXX XXXX must answer my outstanding RESPA requests.
Product: Checking or savings account

I deposited a cash deposit of {$300.00} to payoff another account and the bank split my deposit into 2 amounts and {$75.00} and {$170.00}. I dont have any pending payments out. This is not okay as it will cause me to get more financial charges. Cash deposits are just that cash and should be available right away. This hold makes no sense except to make extra fees. I called spoke to XXXX and a bank XXXX which was a waste of time as they both asked for a receipt which I declined as I dont need the extra paper. Obviously if I am calling to complain this is not a legitimate hold I am complaining of illegal holding of funds they claim to have a payment not made since XX/XX/XXXX and this whole time I had {$22000.00} in my account to cover all expenses since XX/XX/12. They wait till now with my cash deposit of {$300.00} a month later to try and cover it. No this does not sound right a receipt should not be required since I was verified and obviously the one who made to deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, XXXX, and Equifax credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with Spectrum was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, XXXX, and Equifax credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Product: Credit reporting or other personal consumer reports

XXXX, a XXXX XXXX platform has hundreds of consumer complaints and negative reviews. they have been allowed to operate with no oversight. My personal information has been used without my permission in XX/XX/XXXX. Multiple written online complaints have already been filed with the CFPB and the FTC. The responses I received from them and the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, with the intention that the State Attorney General 's Office in their state be also contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by XXXX and DO NOT belong to me : XXXX XXXX XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The accounts numbers are : XXXX / XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last 4 months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information? Aren't the reports supposed to be accurate at all times In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX have 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 states a consumer reporting agency can not funrish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Was unable to connect or contact them or dispute online or show proof of payment
Product: Debt collection

I have been repeatedly called by Prosper for collection of a debt. On XX/XX/XXXX i contacted them by phone and asked them to please stop calling. I also changed my contact information on their website to the company that is handling my debt at this time. 
Since the XXXX of XXXX i have been called a total of 45 times. 18 times in the week of the XXXX to XXXX of XXXX. I have repeatedly called and requested that they contact the company in charge of my debt at this time. I have been met with rudeness and increased calls. I have blocked the number from my phone but to no avail.
Product: Debt collection

# 1 - They call at all times of the day from all different phone numbers.

# 2 - It is on my credit report for the same credit card, yet for 2 different balances. One is for {$960.00} and the other is for {$880.00}. I have disputed it but I still have not heard back from them. I only had one XXXX XXXX XXXX I'd like to make a payment arrangement with them, but the collection agency reps do not understand that I live on just a small XXXX check. I can only do what I can do. They are XXXX and I would rather not speak to them at all.
Product: Bank account or service

This is my third complaint since I opened an account with ELoan ( three months ago ). The issue is with the interest that is compounded incorrectly each month and then transferred into my outside account. The interest for XX/XX/XXXX and XX/XX/XXXX was corrected in XX/XX/XXXX and documented in a letter to me from XXXX XXXX ( Customer Care Popular Community Bank ( no phone number or address on the letter ). The current issue is the XX/XX/XXXX interest which is short. I ca n't imagine any reason why a bank ca n't calculate the correct interest on an account unless they have their computers set to defraud their customers hoping they wo n't become aware of the discrepencies. XXXX XXXX informed me in his letter that I could not close the account ( the best resolution to the matter ) unless I accept the applicable penalties.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Santander consumer Bank. I spoke with XXXX supervisor employee number # XXXX on XXXX XXXX XXXX  at XXXX approximately to discuse why a late payment was sent to the Credit bureau department after an agreement had been reached, for my payments to be pushed back two months and that my next payment would not be due until XX/XX/year>. The agreement was sent by email it was sign electronically I sent it back on XX/XX/year>. The agreement states that I have 10 days to sign the agreement which I had comply but they still reported me late to the consumer credit bureaus and my credit score dropped XXXX points they violated the contract agreement and refuse to remedy or fix the problem. I kept my agreement Santander Consumber Bank violated my rights and reporting me late when that was not the agreement. I stated on XX/XX/year> I want to make this agreement so I wont be reported late and they reported my late anyway when they agreed not to.
Product: Credit card or prepaid card

On XX/XX/XXXX Elan Financial Services sent out a letter notifying me of the closure of my account number XXXX issued by Valley Bank, at the time the account had a credit balance of {$2600.00}, in another letter dated XXXX XXXX XXXX  the bank states that they have sent the credit balance of to the remitter of the last payment made onthe account, as of today XXXX XXXX XXXX, the owner of the checking account has not received any check nor has been any ACH issued to their account, I made numerous attempts to contact the bank regarding this matter and literally every time I got different information regarding this refund payment, I feel like I've exhausted all my options, so I am sending this complaint so the CFPB can intervene and attempt to retrieve these funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going through my credit report and I saw two debt collections from AD ASTRA RECOVERY SERVIC for {$300.00} each one. When I click on details it says its from a loan company called 12 SPEEDY CASH 7 and that the two accounts were opened on XX/XX/2019 and XX/XX/2019. Both of these accounts show that theyre closed, but stayed in collections currently. Ive never opened two accounts with this company before so Id like to report this as fraud because Ive never gotten a loan before and Ive never intended to get a loan before. Id like to get both of these collections removed from my credit report please. I have already contacted this debt collection company and reported these two accounts as fraud and they told me to file this report to get it removed from my credit report. I will attach two pictures of the company that put me in collections twice for two accounts both of the amount of {$300.00} with different opening dates but created in the same year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my consumer rights have been violated.

The companies are violating my consumer right to privacy Pursuant

to 15 U.S.C 1681 section 602 A. States I have the right to privacy. The companies are violating my consumer right Pursuant to 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. Pursuant to 18 USC 8, I owe no debt. The following accounts are violating my consumer rights. Please immediately remove the accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have recently started a credit counseling debt management plan. My loan through XXXX was added to this and is being reported on my credit report as being handled by a credit counseling agency but that it is a delinquent account and past due. I have tried contacting the company but I have received no response.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

XX/XX/23 at XXXXXXXX XXXX in the amount of XXXX was transferred from my Chime checking account when my cell phone was stolen. I submitted a dispute with the bank the day it happened and was told it was under review. A few days later go by and I received a email saying it was denied and Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I submitted a police report the other 3 times I submitted a dispute and it was still denied. Please help!
Product: Debt collection

The service at XXXX XXXX XXXX on XX/XX/year> was already paid. 
The amount of the service was {$280.00} I paid {$170.00} on my credit card on XX/XX/year> My insurance company paid XXXX on XX/XX/year> In total we overpaid {$1.00} which they owe me. 

I called XXXX at XXXX XXXX XXXX on XX/XX/year> to correct this mistake. 
She said she will take care of it.
Product: Credit reporting or other personal consumer reports

Last year a collection originating from XXXX was added to my credit report. I disputed this and it was removed. Now as of yesterday the same account is added to my report from a different collection agency ( Southwest Credit Systems ). I have disputed this with XXXX and XXXX. I called XXXX on XX/XX/year> and they gave me an address of XXXX XXXX XXXX XXXX PA XXXX XXXX. I have never lived there in my life. This is a fraudulent account. They stated they opened an investigation but I need to fill out a large amount of paperwork and send it to them so they can start the investigation. I need this removed from my account as my credit score dropped almost XXXX points and I am in the process of purchasing a house. XXXX was of no help, and I am not comfortable contacting the collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, Equifax XXXX and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks.

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX