23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cashapp lets people commit fraud for services such as theft of services and provides no recourse. This has happened multiple times while I've had my cashapp account since XXXX  Until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Product: Debt collection

XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
Product: Credit card or prepaid card

My wife and I have had a credit card with Nordstrom since XXXX. And my wife and daughter XXXX XXXX XXXX XXXX of Nordstrom. I am extremely disappointed by the negative impact I am having on my credit. 

I paid my account in XX/XX/XXXX. In XXXX and XXXX, my bookkeeper failed to make payments due to unforeseen personal circumstances. Once I realized that the card was past due and charging late fees of {$37.00}, I paid the late fees and balances owed in XXXX, but late fees continued to be assessed up until the balance owed and fees were paid on XX/XX/XXXX. When I paid the late fees and balance I called Nordstrom Customer Service to request a one-time courtesy reversal, the agent told me he wouldnt remove the 30 day late off of my credit report.
Product: Credit reporting or other personal consumer reports

I was reviewing my report and notice several inquiries I do not recognize please remove these inquiries from my report. I have thoroughly reviewed my report and I did not authorize these inquiries. According to the fair credit act ( fcra ) I have the right to dispute any information that is inaccurate or unverifiable. I have contacted the origianal creditor who pulled my credit report and attempted to dispute this with them as well. Code 15 USC 6802 Financial institutions must notify customers of their policies on collecting and sharing information. I was not giving the option to opt out. 15 USC 1681b the credit agencies never was sent a written letter allowing them to put these inquiries on my credit report. 18 usc 1028a the banks and credit agencies are passing my information without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX breach and may have got into the hands of the wrong person.
Product: Checking or savings account

When Bread Savings closes an account they remove the tranaction history from your online account. At first they refused to close my CD, then closed it a few days late. I noticed the extra little bit of interest hit the account after the transfer was scheduled but then couldn't verify any amounts in the closed account. I asked Bread Savings how to access these transactions and got the run around. Then they said they would give me transcript of the closed account. That never happened. It's been over a month of asking them every couple of days for the records and they give empty promises with no intention of fullfilling them. If they aren't hiding anything why wouldn't they just prove it and show me the transaction records? Company did not respond directly to my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
Product: Mortgage

I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years.
Product: Debt collection

In XXXX of XXXX a mortgage ran a credit report through XXXX that i authorized to get a quote for a mortgage. I found out that there were several outstanding fees from multiple companies and a credit card that I had no knowledge of opening. I reached out to all the different companies and was able to get them resolved for the most part. The collections company LJ Ross Assoc does stick to my credit and I am not able to get to a resolution through them about resolving this issue due to the account was opened without my knowledge. 
LJ Ross is a debt collector that the original creditor, XXXX  XXXX, opened a collections for the amount of {$900.00} that, again, I have no knowledge of who opened and used this account. From the credit report I can see that the account was opened XX/XX/XXXX and used until about XX/XX/XXXX. 
A new address was placed under my SSN on XX/XX/XXXX without my knowledge. I dont know of anyone in/around nor have I ever personally been to that address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
I have reported it in XX/XX/XXXX and XX/XX/XXXX. 
I have tried to dispute it many times.
Product: Checking or savings account

XXXX XXXX 2017 I was checking my wife phone when she was on XXXX cause it was n't working right so I call XXXX and the person said I was been hacked so he said he 'll fix it so I let him in to fix it, I did n't know it was a hacker I was talking too, the next day I put money in the bank and I notice all my money was gone in my checking and saving account, I told the bank and went to the police and got a police report show it to the bank I had to between 30-60 days for an answer after 5 weeks the bank told me I would n't get my money back cause I let the hacker in to fix my laptop so I lost {$1300.00}
Product: Credit reporting

Had my computer stolen end of last year or beginning of this year. It had all my info on it all my pass words saved on it and all my dates would fill in any application. with all my correct info hope you can help. Someone tried to get credit card about XXXX or so really dont know exact amount of inquires they made.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Mr. Cooper. I received paperwork about the process however, have been unable to reach their customer service department to ask questions about my mortgage. I have tried over a dozen time over the past month! 
The number provided for customer service is XXXX however, there is NO option to speak with a customer service representative. This process was done among the companies as a business decision by XXXX XXXX not by me, the consumer. I expect to be able to speak with a customer service representative about my most important financial obligation. I do not think that is a lot to ask. Please help! I want to make sure they have my insurance being deducted and that my payments will be deducted bi-monthly like they were with XXXX XXXX. Thank you!
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

It all started in XX/XX/XXXX when I received a notification to my email from Bank of America about an unusual movement in my business account, I immediately responded by email notifying that I did not recognize these bank movements in my business account, I called the bank and They made the decision to close the business and personal account, from that moment on for my family and my personal life it has been very difficult, they bankrupted the company and emotionally and financially destabilized my life and that of my family, it made us XXXX Our lives around the world were surrounded by the decision of the bank. I called several times and they did not give me any solution to my case. From then on it became difficult for me to fulfill my credit card commitments, all because of the closing of bank accounts. 
I am currently out of the country, possibly at the end of XXXX, as soon as my XXXX XXXX is renewed, I will return to the XXXX.
Product: Debt collection

I am getting calls from a debt collector that is not registered to collect debt in the state of Rhode Island. The name of the debt collector is Healthcare XXXX XXXX XXXX XXXX XXXX ( HRRG ). I sued HRRG in XXXX for attempting to collect debt without a registration in Rhode Island so they know their behavior is wrong. For over 10 years, HRRG has attempted to collect debt in Rhode Island without a registration and that is literally a crime here. I started getting calls in XX/XX/XXXX from HRRG. These calls were robodialed to my cell phone. I don't owe HRRG any money, so I sent them a certified letter, return receipt requested in XX/XX/XXXX and in my letter I told them, " Please don't call me ... .you have the wrong number. '' HRRG kept calling me after they signed my letter. HRRG responded to my letter and demanded my credit report! It is ridiculous for a criminal like HRRG to demand a credit report from me when I told them that they have the wrong person and to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX TransUnion attached a XXXX XXXX {$680.00} account closed on XX/XX/XXXX as a charge off on my credit report. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Product: Debt collection

To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. 

Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.
Product: Credit card or prepaid card

A XXXX Transaction is made on my Barclays credit card in XX/XX/XXXX. The charge was authorized and is supposed to be charged only one. But in my billing statement, the charge from the same merchant, XXXX is shown twice for an amount of $ XXXX. I opened a dispute with Barclays and they asked me to contact the merchant. So I contacted XXXX and they emailed me back on XX/XX/XXXX, that they made the charge only once and its the credit card company 's mistake. I provided the email proof from XXXX to Barclays. I did not receive any status update. So I called Barclays back again and they said the dispute was closed. So I opened the dispute again and provided all the proofs. This repeated multiple times till now, XX/XX/XXXX and now the last time I opened the dispute with the highest authority at Barclays, I got a callback and they told me it was too late to do anything now. That the transaction has happened a long time ago and there is nothing they can do about it. On asking why my dispute was closed so many times, they say its the merchant who is responsible and for charging me twice and it's not Barclay 's responsibility to take care of it. Now I can not contact the XXXX either because they will not keep all records from two years since its a big airline company and they have too many records to keep. Now both the parties are not taking responsibility and I as a customer have to end up paying such a big amount for nothing I used.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Nationwide Recovery Service XXXX reported balance {$530.00} XX/XX/XXXX XXXX XXXX XXXX, reported balance {$5500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} this account is not mine! In fact, I was once married to an individual who has done some unlawful acts and hurt my credit, our divorce was final in the year XXXX  but she still used my information and data to benefit from, which includes the other account Im complaining about in this complaint- XXXX XXXX, that shows joint account, I initially paid the majority of the amount owed for vehicle, ( the account is filled with inaccurate info ) she left with the vehicle out of state to PA to be exact, then she went on to miss her payments, and the vehicle was repossessed and the company ( XXXX  ) had possession of the vehicle. I was not suppose to be on the account and especially reporting on my credit report, I have disputed this multiple times and have asked for the details and information but havent received anything, I have uploaded documents verifying my identity and I have documents stating that she is responsible for the account, and I paid 65 % of the vehicle purchase to help her get the vehicle, which the company now has had possession of for quite some time, there has been mistakes made by the company from the beginning of the whole process and account. Its been very frustrating and difficult to do business with this company since day one, inconsistency throughout, it also leads to my issue with the company XXXX XXXX, which was for a washer and dryer set, that I paid over {$1700.00} dollars for that was only priced at close to {$1900.00} dollars in full,, which she was again responsible for the remaining balance of {$300.00} and some change at most, and now the account is reporting a balance over XXXX dollars which is inaccurate, and never supposed to be on my credit report at all, the sales person from XXXX XXXX was very misleading and lied to me, Im am extremely disappointed and unhappy with the inability for these companies to provide the documentation or details about these negative items reporting on my credit. I have disputed and complained endless times, I have rights and will not be treated unfairly, this has made my life difficult in many ways and still continues. The ex that also caused this situation has also kept and used my information and identity to gain services for electricity and utilities, for a place in other state that I wasnt even residing nor had any knowledge of it, I just want to be treated fair and given the opportunity to prove
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

The following are fraudulent charges made to my SUNCOAST CREDIT UNION checking account via my VISA atm card. 

The card was in my possession at the time. 

I recieved a text message XX/XX/year> while the charges were pending, asking to confirm if the activity was authorized. I confirmed that NO the activity was not authorized and my card was deactivated thusly. I have attached a photo of said text message. 

[ XX/XX/year> - XX/XX/XXXX{$3.00} Dispute filed XX/XX/year> and the funds returned ] [ XX/XX/year> - XX/XX/XXXX{$35.00} Dispute filed XX/XX/year> ] [ XX/XX/year> - XX/XX/XXXX {$42.00} Dispute filed XX/XX/year> ] I recieved the attached message on XX/XX/year> stating that my disputed was denied. 

On XX/XX/year> I contacted the bank and explained the situation. Was told that the disputed would be reevaluated. 

As of today, XX/XX/year> the funds are still being withheld.