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

I sent a letter to remove this personal information that 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 this personal information not later than 4 business days. 
XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have several complaints to express, and I want to emphasize that I have been a victim of a crime, yet no one seems to care. Once again, I am urging for the removal of the fraudulent entries from my credit report, which were opened without my authorization. Some items have been removed, but there are still numerous remaining on my credit report. Below, you will find a list of the items that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely 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 their 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: Mortgage

I have a loan with Bank of America. At the beginning of XX/XX/2020, Bank of America assessed a {$5.00} fee on my mortgage, without giving any reason. Whats more, they marked this {$5.00} as past due, probably with the intention to rush me into paying at as soon as possible. Since its just {$5.00}, I paid without asking why. 

And then they got greedy. At the end of XX/XX/2020, they, once again, charged my mortgage with {$5.00}, also called it past due, without giving any reason. 

This despicable practice of Bank of America deserves a serious investigation.
Product: Debt collection

This company Hunter Warfield Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the XXXX system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Product: Debt collection

This company has been repeatedly attempting to contact, me, my wife, and our extended family for a debt owed by a relative we have no contact with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 I contacted Transunion, XXXX, and XXXX about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting Transunion, XXXX, and XXXX, the inaccurate information has continued to be reported. Transunion, XXXX, and XXXX is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also Transunion, XXXX, and XXXX has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to Transunion, XXXX, and XXXX.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XX/XX/XXXX..Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!
Product: Credit reporting, credit repair services, or other personal consumer reports

World financial reports on my credit file And account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new inquiry from JPMCB auto finance. Im not sure if that means someone has used my credit to open an account or why it was even pulled there. I have no accounts with chase banks whatsoever and hope it doesnt connect with my credit going down XXXX whole points afterwards.
Product: Credit card or prepaid card

Previous Complaint XXXX Upgrade stated they closed my account. It shows that on the credit report but when looking at the account online on the upgrade site it shows that they have been billing me since XX/XX/2021. I have asked prior to having paper statements but nothing was sent to me. The account is showing online with a {$2000.00} credit line. The letter dated on the previous complaint shows that Upgrade stated in writing that the account was closed. Upgrade refuses and will not close the account. I have asked in writing and with CFPB and phone calls and emails. I need assistance in getting this closed. On loan XXXX I have been paying over the amount due. Now Upgrade is reporting missing payments. Upgrade after being notified several times that I want paper communication has sent me nothing. No warnings no bills no statements.
Product: Payday loan, title loan, personal loan, or advance loan

I have good credit and social security and a job. I tried to get a loan for {$5000.00} for home repairs. I own a XXXX XXXX XXXX and the repairs were for that. I live with my daughter during the year and I dont pay rent or a mortgage. I already have a loan with them that will be paid off in XXXX months I would have paid that one off with the new loan. They kept asking for additional information which I supplied. Their last request was for a POA which I do not have. Ive never had a loan ask for this. I asked why and asked if it is their normal policy for someone of my age and they did not respond. My daughter told me they can not use age as a deciding factor in credit lending and I should report them.
Product: Vehicle loan or lease

I banked with Navy Federal since 2013. I got my first credit card with them for {$500.00} and within 6 months I applied for a credit limit increase and was approved for XXXX I believe. I could be off. I was XXXX at the time. I soon applied for a loan for a car for {$12000.00} and got approved. I applied for an additional credit card a few years later and a loan to help my mother pay on her house. I lost my job and didnt have income so I was no longer able to pay on the car. The car got repossessed by the bank but 8 years later Navy Federal is making sure that this hurts my credit. It is extremely unfair, they got the car back and sold it already and I cant get approved for a place to live. Ive been homeless on and off the past 3 years of my life. XXXX XXXX now about to turn XXXX. I dont believe any of this is fair. I was told it would be removed in 7 years, its now been XXXX and they will not remove it.
Product: Payday loan, title loan, personal loan, or advance loan

On or about Tuesday, XX/XX/year>, I contacted XXXX XXXX to inquire about ordering replacement filters for my HVAC system. The individual who answered my call informed me that filters could not be ordered until an inspection of my system had been conducted and suggested a {$69.00} service call. Given the approaching summer heat, I agreed, believing it was prudent to have my HVAC system inspected. 
On Friday, XX/XX/year>, a representative named XXXX XXXX from XXXX XXXX XXXX visited my home under lead # XXXX to perform the inspection. While XXXX was personable, his demeanor quickly became overbearing and high-pressure. He advised that my AC unit required significant repairs and asserted that it would be more expensive to repair than replace. He offered a {$2000.00} discount if I purchased a new unit that day. 
During his visit, XXXX made several calls to his office, and shortly thereafter, a crew arrived at my home and began disassembling my HVAC system. Within approximately XXXX minutes, XXXX presented multiple electronic forms on an XXXX, which he hurriedly scrolled through, insisting that I sign without providing a full explanation of their terms. 
My wife and I are XXXX XXXX seniors, and our daughter holds power of attorney over our affairs. Despite this, I was pressured into signing a contract without proper understanding or legal capacity. I am now receiving monthly statements demanding {$22000.00} at 8.99 % interest over 180 months, equating to {$220.00} per month. 
This entire process was riddled with misrepresentation, high-pressure sales tactics, and false diagnoses. I firmly believe that the inspection, sale, and subsequent loan agreement were conducted in violation of multiple consumer protection laws. Specifically : 1. Unfair Terms and Overcharging : The contract terms are excessively onerous and exploitative. 2. High-Pressure Sales Tactics : I was subjected to undue pressure to agree to the replacement without proper explanation of alternatives.

3. Misrepresentation of System Condition : The diagnosis of my HVAC system as irreparable appears to have been a tactic to coerce me into a sale.

4. Ambiguity and Lack of Capacity : The rapid and unclear presentation of the terms, combined with my age and legal limitations, renders this contract invalid. 
Additionally, I believe that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), knowingly engaged in deceptive practices designed to trap vulnerable individuals like myself into costly, risky loans. 
I am requesting an immediate, amicable resolution, including but not limited to : The cancellation of this contract and loan. 
A full investigation into the sales and inspection practices of XXXX XXXX XXXX. 
XXXX that such predatory practices will be addressed to prevent further harm to other consumers.
Product: Debt collection

EQUIFAX- you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Money transfer, virtual currency, or money service

I was under the impression I was talking to a military friend on XXXX who supposedly made a huge sum of money investing in XXXX XXXX. His broker was XXXX XXXX. He referred me to her. 

On XXXX XXXX at approximately, I sent {$2000.00} via XXXX to an account registered to XXXX, XXXX, according to the XXXX XXXX. She was serving as a Broker for a website called XXXX 

The website looked like it had a legitimate account dashboard, and it was hard to believe I had made $ XXXX from a $ XXXX investment. I proceeded to make a withdrawal, but then XXXX contacted me and said I had to pay $ XXXX in XXXXXXXX XXXX fees. 

I proceeded to send another XXXX transaction in XXXX disbursements of {$1500.00} to a XXXX XXXX for XXXX XXXX  fees on XXXX XXXX. 

On XXXX XXXX I sent another XXXX disbursements of {$1500.00} to XXXX XXXX for more fees ; however, when I went to withdraw my supposedly new earned profits, I was immediately locked out of my dashboard on the website, and I could no longer contact XXXX on XXXX. Additionally, I was locked out of my XXXX the same day because it had been hacked. 

Friends on XXXX reached out and said that they were being with the same XXXX XXXX investing opportunity through my social media platform. 

I finally reached out to my friend via correspondence who mentioned his XXXX account had been hacked, and that he had fell for the same scam. 

On or about XXXX XXXX, I filed a claim with Bank of America ( BOA ), and the claim was denied because the bank is saying I authorized those transactions. As a courtesy, they would try and recover funds from the other banks the funds were transferred to ( XXXX, XXXX, and another BOA customer account ). 

However, after reading Regulation E of the Electronic Funds Transfer Act, I believe that this is covered under that regulation as it meets the criteria for fraud. Please help me resolve this. It seems that several other consumers are falling victim to these XXXX transaction scams. 

On XXXX XXXX, I called BOA and was told that they could not recover funds. I filed a report via XXXX, and I havent received a response.
Product: Credit reporting or other personal consumer reports

The debts are considered a charge off.

However, these are actually considered income because I should have received a 1099 C in order to account these as income. These are not charge offs. I'm requesting these charge offs be removed because it is not debt This is considered income and income should not be reported on my credit report.
Product: Money transfer, virtual currency, or money service

Acceded my account and add herself to jointaccount without knowledge or concent. Applied fo XXXX and is accessing my money and account information. Also holding and opening my usps mailed to me. Rerouted my mail to last known address.applied my tax return to her accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work with two companies why is my credit score only going up on point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up 1 point, that leaves me very concerned.
Product: Money transfer, virtual currency, or money service

Unable to attach bank account or atm card to an outside cash out service. Pnc won't permit it.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have reached many companies and many departments in the past couple years trying to resort this issue. This debt was supposed to be cleared during the beginning of covid. XXXX wasn't expected and demanded a lot of people that didn't have much to offer. I submitted the proper paperwork and got all my medical bills cleared except the one that capio has been harassing me for
Product: Mortgage

My husband and I applied for a mortgage refi loan through Loan Depot and subsequently was approved. We decided to move forward with the process being told it would take XXXX - XXXX days. A XXXX XXXX XXXX was executed by both parties on XX/XX/2016 and subsequent appraisal on XX/XX/2016. It was disclosed that our rate would be in effect for XXXX days. We were contacted on XX/XX/2016 by a Loan Depot representative ( XXXX ) stating that if the loan did not close within the 45 days, our original rate offer would be extended. On XX/XX/2016 we received another communication ( email ) from XXXX stating that our lock rate had expired and we would have to obtain a new rate. I called Loan Depot to inquire about the issue today ( XX/XX/2016 ) and was told that delay in closing was due to delays in processing by Loan Depot, but Loan Depot was not in a position to honor our original rate as they could incur significant losses. 

It is my opinion that my husband and I are a victim of predatory lending practices and were purposely deceived by Loan Depot by their obvious delay the processing and closing of our loan. This delay was a deceptive ploy on the part of Loan Depot that resulted in the Rate Lock Agreement to expire thereby forcing us to renegotiate the terms of the loan which are no longer advantageous to consumers because of the recent increase in Mortgage Interest Rates. This is a direct violation of the Dodd-Frank Act. Loan Depot has the responsibility as a licensed mortgage lender to be truthful in their lending practices and not take advantage of consumers. Our desired outcome is for Loan Depot to honor the original rate agreement which will allow us to proceed with the mortgage loan application. I am also concerned that because of this complaint filing Loan Depot will manufacture a reason to reverse their decision to approve our loan application and decline us because we refuse to renegotiate new terms or cancel our application. It is our intent to also notify the media and XXXX Attorney General of XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Equifax numerous times asking for original, signed documentation, authorizing someone to view my profile. To this day, I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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