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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the Equifax and XXXX credit bureaus to confirm these records ( XXXX ). ( XXXX  ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETE ASAP XXXX XXXX XXXX -PORTFOLIO XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is in violation of the Fair Credit Reporting Act. The agency has refused me the right to simply update my personal information dispute incomplete or inaccurate information. I have identify information in my file that is incomplete or inaccurate and Experian is refusing me of rights to update my credit report. 

Experian is causing harm and potentially exposing me to identify theft and fraud by providing information about me to people with NO valid need to know by refusing and allowing multiple addresses that l no longer reside at. 

On XX/XX/XXXX at about XXXX XXXX., I reached out to Experian to update my personal information and they refused to allow me to do so. I was shocked to see that there were a total of 28 different addresses, different phone numbers and 3 different names and multiple employers on my credit report. 

I do not currently live at any of those addresses. 
As a concerned citizen, if someone is sending mail to those addresses with my personal information can potentially expose me to identify theft. 

As of XX/XX/XXXX, at approximately, XXXX, I attempted to notify Experian to file a report of being a victim of identity theft and they continuously refused allow me to report this information. I called at least 9 time this morning and was unsuccessful. Everytime I try to call, they hang up the phone in my face and when I finally got through and requested to speak to a supervisor, another supervisor, lied stating that the previous supervisor that I had just spoken to, had not come in yet when in fact, l had just spoken this supervisor to minutes prior. 

They never gave me the opportunity to explain before hanging up the phone. 

On XX/XX/XXXX at approximately XXXX l was contacted by my credit card company, XXXX XXXX Bank Fraud Dept : in which they informed me that an attempt was made in the amount of {$3600.00} that I did not authorize. If you would like to reach out to the credit card company who informed me about this attempted identity theft. You are more than welcome to call them at XXXX XXXX option 4 and speak to 4 and speak to supervisor XXXX XXXX XXXX. 

( XXXX ) XXXX Police Department case number is XXXX. 

( XXXX XXXX XXXX Police Department case number is XXXX - XXXX.
Product: Mortgage

Loan # XXXX Numerous complaints have been made to this company via the XXXX XXXX department. I am filing this complaint to express the poor quality of services received during a rebranding period. In particular, at the end of XXXX the submission of a biweekly payment request was submitted. I called on XX/XX/XXXX to initiate one of two XXXX payments. I inquired during this month would the pending correspondence request be processed. I was advised no, the request would begin in XXXX. While visiting my financial institution a payment on XX/XX/XXXX, a representative advised my account was overdrawn. A payment of {$270.00} was drafted from Shellpoint mortgage. I immediately contacted Shellpoint and advised an unauthorized payment was drafted from my account. I explain the matter above and was assured the pending correspondence request would not be honored until XXXX. Secondly, a payment was made the week prior and this scheduled did not constitute a bi-weekly payment. I immediately contacted a representative who advised the submission qualified and would not be refunded because it satisfied my XXXX payment. Despite my desperate requests to speak with a supervisor and/or a customer advocacy representative, the request was denied. I was forced to contact my financial institution and filed a fraud claim for the drafted unauthorized payment. This company has exhibited disgraceful and deceitful practices to their customers. Most recently, I have been assessed late fees as a result of the above unauthorized draft from my bank account. I contacted a representative on XX/XX/XXXX to make a secondary bi-weekly payment to the corresponding loan. She advised a full payment must be submitted before the XXXX of the month are the loan is considered late. Since XX/XX/XXXX, I have tried to work with this company to arrange suitable XXXX  payments but for months I have endured excuses, fabricated information and an unwillingness to provide assistance. Additionally, the representative provided a complaint number of XXXX. Whether or not someone will provide assistance or address this complaint is uncertain.
Product: Credit reporting or other personal consumer reports

I've called several times to get this Company to update the accuracy of my payment history and me paying off this account.
Product: Checking or savings account

Someone broke into my wife car, stole her driver license. Then broke into someone else car and stole their checkbook. Then wrote a check for {$1900.00} to my wife. Then using my wife driver license, went to the bank and cash the check. When the check bounced, the bank took {$1900.00} from our account to cover the loss. 
When we contact the bank we were told that this is not a simple fraud case and that we need to WAIT 60 BUSINESSES days before they can determine a solution. Obviously, the teller that cash the check didnt follow the bank policy and didnt confirm that the person that were cashing the check was not my wife. We have a police report and we also contact the bank on the day that my wifes identity was stolen to cancel our credit cards, checks, etc.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXXXXXX XXXX XXXX XXXX I sent multiple dispute letters to XXXX regarding inaccuracies on my credit report. Despite my detailed explanations and requests for proper investigation, these items remain unresolved. Below is a summary of the disputed accounts and actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed debt ownership, requested proof from the original creditor. In all cases, I have not received sufficient proof of investigation, payment records, or documentation from either XXXX or the creditors to validate these accounts and their negative statuses. This lack of proper investigation violates the Fair Credit Reporting Act. I request that XXXX either remove these inaccuracies or provide comprehensive proof of their investigations and the validity of the disputed information.
Product: Consumer Loan

I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account. 
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information. 

I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff.. 

To this day they still have her email address on file and have n't updated it back to mine.
Product: Bank account or service

I opened a Citibank checking account on XX/XX/XXXX and deposited funds on XX/XX/XXXX. I opened the account because Citibank promised XXXX dollars would be credited to the account after XXXX days of making the deposit. The exact wording of the offer reads as follows " the cash bonus will be credited to your new checking account within XXXX calendar days from the date when you completed all offer requirements. '' Beginning XX/XX/XXXX, I have called Citibank multiple times. Each time, I have been told that all requirements have been met and that they are investigating the problem.
Product: Mortgage

They paid another persons homeowners insurance with my escrow before mine was even due. We sent them the paper work and then they paid ours late. We have contacted them twice to have the money put back in the account. They told us that it would take up to 5 business days to research this and they have not contacted us back about it. We again tried to call them about it today and the refused to talk to us about it. This is making our escrow account in the negative of over {$700.00} and causing our mortgage payment to go up because it shows that our insurance is mor than twice of what it should be. They did not do their due diligence in making this payment.
Product: Debt collection

I received a message from Ms. XXXX stating that I was going to be charged with Theft by deception as well as fraud due to the repossession of a vehicle from approximately 10 years ago. She stated my driver 's license number, my birth date, and gave information on my current vehicle and let me know that because of this I would not be able to renew my registration and my license would be suspended. When I called back I was told they will be serving me papers for court and that this is the last time they will try to contact me even though I have never heard from them before and they refused to send a validation notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Payday loan, title loan, or personal loan

It started XX/XX/XXXX when I called and spoke with XXXX XXXX. I told her that I was having trouble making the payments due to income change and NOT to debit my account on XX/XX/XXXX for the $ XXXX-I 'd have to make a payment another way.

She then sent me an email with other payment methods.

On XX/XX/XXXX Cashnet debited my account anyway which also got me a {$34.00} NSF fee.

I reached out to Cashnet and with much back and forth they said because I didn't respond with a payment method and the payment wasn't received they debited my account.

All of that created a further hardship.

I called today and spoke with XXXX XXXX   telling her I could not make the upcoming XX/XX/XXXX payment due to no longer working full time. I asked if a payment could be moved to the back of the loan and she said no.

She offered me 2 options, a double payment on XX/XX/XXXXor a XX/XX/XXXX payment of {$51.00} on XX/XX/XXXXthen another {$51.00} plus the scheduled {$200.00} on XX/XX/XXXX.

Those are just not feasible. I want to repay the loan of {$2600.00} which is the amount I received. I have made 2 payments so far ALL going toward interest NONE to the principal. I won't chose between paying this loan and whether my family eats.

I have ONCE again withdrawn consent from them to automated debit my account based on what happened on XX/XX/XXXX. I would like to pay something each pay period but I can't do {$200.00} twice a month right now while I transition from full time to part time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment remarks that are continuously being reported on my credit report. I believe these remarks are inaccurate and need to be corrected.
Product: Credit card or prepaid card

Around XX/XX/2022, I made an extra payment of {$100.00} my XXXX XXXX XXXX store credit card, which is administered by Synchrony Bank, and requested that it be allocated fully to my purchase who's interest-free promotion is over at the end of XXXX, 2022. I have made 3 phone calls, and have spoken with 3 separate representatives, and instructed them to perform this allocation as requested. I have received a letter from the Synchrony Bank stating that the request has been processed and have received verbal confirmation as well that the request has been processed. The most recent request, which was verbally confirmed, was on XX/XX/2022. None of these requests have been processed as requested. 

The {$100.00} payment was split between the two purchases on the card. The other promotion doesn't end until next year, so this extra {$100.00} payment didn't need to be split. I do not want to be charged the accumulating interest from the XX/XX/2022 promotion, so I am trying to pay it off. I feel like Synchrony Bank is purposely failing to complete my request as instructed so that they can charge me the interest associated with this promotion.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: 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 proce 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 XXXX financial loss, and I seek appropriate redress ( 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, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We recently switched mortgage companies in XX/XX/2023 from XXXX XXXX XXXX to Flagstar Bank. When going to set up payments for the new account I discovered they have already withdrawn money from my account to pay my loan without prior authorization from myself. From my understanding this is illegal behavior and they would need my prior authorization to remove funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a copy of my " Full Credit Disclosure ''. I am not trying to get a copy of my credit report, I am asking for a " Full Credit Disclosure ''. This includes my credit report and all notes put into my file by Equifax. Equifax is refusing to supply me with this and is telling me I must subpoena them for the information. This is completely ludicrous. The information I am requesting is all of the information that is in my personal file held by Equifax. This is my personal information and my personal file. Equifax refuses to supply me with a copy.
Product: Credit card

I have a credit card with Capital One but the interest rate I'm been charged is 39 % and this isn't a rate I am familiar with. It is very hard and finance are hard now. I've been making payments but the amount doesn't change.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to conduct a reasonable investigation of collection accounts on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o. 

I disputed several inaccurate collections on my report as follows : XXXX XXXX XXXX for the amount of {$310.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00} I disputed these collections on my Equifax credit report and provided supporting documentation to demonstrate their inaccuracy. However, Equifax failed to conduct a proper investigation as required under 15 U.S.C. 1681i and instead verified the accounts without a reasonable review of the evidence I submitted. 

Equifaxs failure to conduct a meaningful investigation and its continued reporting of inaccurate information have caused me financial harm, including denial of credit, increased interest rates, or other financial consequences.

I am requesting that Equifax conduct a proper reinvestigation of the disputed accounts, provide a detailed explanation of its verification process, and delete any unverifiable or inaccurate information. If Equifax fails to comply, I will explore further legal action under 15 U.S.C. 1681n and 1681o for negligent and willful noncompliance with the FCRA.