23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had made a payment with my credit card to settle the debt owed. I have sent a copy of my credit card statement to ERC Collections showing my payment but they say their system shows no payment. They have wrongfully reported this to the credit bureau even though I have paid.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE {$3.00}, XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$1000.00}, XXXX XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, BALANCE {$0.00}, XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE {$2200.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$290000.00}, US DEPT ED XXXX XXXX OPENED XX/XX/XXXX BALANCE {$5200.00}, XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE {$910.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$500.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX BALANCE $ XXXX addresses connected to fraud never lived there XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I have no link to these inquiries or the listed creditors and request their prompt removal from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do 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 am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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 TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ {$720.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00}
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX, i filed for a instant transfer of funds from square to be sent to my banking account about XXXXXXXX XXXX. The funds have not shown up in my us bank account. I called the bank on Monday morning. they verified they can not find the funds or any sign of the transfer. i called square Monday morning and got the run around i should wait another day and was then hung up on. i called the bank Tuesday XXXX funds still not been transferred. i called square back and they started this mess that i need a letter from my bank saying they have not seen the funds before square would look for the transfer tracking id and even attempt to find my funds. i talked to a manager there. and got the same run around and was offered some free processing for my trouble. which they did not grand to me upon checking my night time transfer. now i am down to filing this complaint while i wait for my bank to send me a letter so square can find my transfer that they have loss. they refused during every step of the call to even attempt to look for the transfer until i can get a letter. and even told me once i provide a letter it will be 2 to 3 days before they could find the missing transfer.
Product: Mortgage

Amerihome mortage is not accepting prepayment of my loan Loan number XXXX
Product: Student loan

I was five days late on making a {$55.00} payment to Sallie Mae and they began to harass my husband at work, calling XXXX to six times a day and telling him he needed to make payment immediately. They have NEVER contacted me and I am the loan-holder. Additionally, I made payment seven days ago using online bill pay, which generally takes one day to go through as it is merely a matter of transferring funds from XXXX back to another. On the most recent call, I was with my husband when he answered the phone ; I got on the line and explained to the customer service agent that no one has ever called me about the loan and I 'm the person who holds it. He claimed that people had been calling me for days, which is not at all the case. I went on the Sallie Mae website to ensure my phone number is correct, and it is. My address is also correct, though I have not received any type of correspondence from them. They will not stop calling my husband, even though I 've made payment and my husband is not the loan-holder. They wo n't listen to anything we tell them on the phone ; the only thing the customer service agents will say is, " You must pay immediately '' and " How would you like to pay? '' I am concerned my credit may be negatively affected if they report non-payment ; I am similarly concerned my husband will lose his job because of all the calls he is getting throughout the day at work.
Product: Mortgage

We had a HELOC with XXXX bank which was to mature at the end of XXXX XX/XX/XXXX We applied for and received a modification for a fixed rate of 4.75 % for 300 months. Letter is attached. We ratified this modification with a payment on XXXX XXXX XX/XX/XXXX and continued to pay the required amount, {$830.00} on XXXX XXXX, XXXX XXXX and XXXX XXXX. See attached statements and XXXX payment letter from XXXX. Specialized Loan Service, LLC took over the servicing of the loan on XXXX XXXX XX/XX/XXXX. See attached letter. We sent our XXXX payment due on XXXX XXXX. See attached check with date stamp of XXXX XXXX XX/XX/XXXX at SLS. They returned our check and never cashed it. I called and was told they had no information of our loan modification and could only accept the full balloon payment of {$140000.00}. See attached statement. On XXXX XXXX XX/XX/XXXX I was advised that I should fax them the information of my modification and then I could make payment. I did so and authorized them to withdraw the payment directly from my account. See attached XXXX XXXX notification of payment on XXXX XXXX XX/XX/XXXX. I set my payment for XXXX XXXX, XX/XX/XXXX to be sent from bill pay from my bank. It is now XXXX XXXX and the payment has not cleared. On XXXX XXXX, XX/XX/XXXX, I received a check from SLS on their check stock for the amount of my payment which they withdrew On XXXX XXXX. See attached. I have not cashed this check. I called them again of XXXX XXXX XX/XX/XXXX, and they are again stating that they can only accept the full amount of the balloon payment and informed me that I am 36 days in arrears. I am making this complaint to document that I have attempted to comply with my loan agreement as established by the previous loan servicer. I am not getting any help from SLS at this point and am worried about what they may do to my credit. Other complaints about this company have a similar story.
Product: Payday loan, title loan, or personal loan

I filled a complaint in XXXX that Wells Fargo. I pay off a loan onXXXX and they mistakenly credited it to some other account. It took 5 weeks to have it fixed and was told that it would be credited back to the original payment date and it would not be reported to credit bureau as a late payment. On XXXX I got a message from XXXX XXXX that a late payment was reported and my credit score dropped XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a loan with a company called Oportun. 

They do not provide ANY statements and/or information AFTER you sign for the loan. You can not access online how your payment is applied to your account. 

I have

two other personal loans, and BOTH of them reflect every charge, and every payment online. I can not get any statement from Oportun in writing or online, and two months ago they reported me as being late {$18.00} on my credit report - yet I h
ad no letter from them informing me of this in advance - clearly I would have rectified that!!! 

Also, I accidentally said yes keep my bank card as the default payment, and it gives you no option online to UNDO that!!!! Their service and structure is basically in XXXX, and their " shell company '' is addressed in California. 

Frankly, I do not think this company should be allowed to do business in the United States. On their web page - it says that you can pay by your bank account, and that does not work, and also the site says that is is secure - but there is no https in front of their web address. 

If I try to call to get any help - I can very rarely get ANYONE that speaks English as their native language. To date - I have not received ANY account statements ; any online account information that covers payments, interest, late charges, and during the COVID-19 issues - their words over the phone were VERY confusing, and not VERY helpful at ALL. 

And to even reach a person there - it's many numbers and steps, and you are basically sent to XXXX! 

I will NEVER borrow from this company again, but I feel as a United States Citizen - I AM ENTITLED TO MY ACCOUNT INFORMATION!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX i took a second look at my credit report and i nocticed that this account above is still not reporting accurately. I 4 late payments on account that was in fact paid on time. The consumer reporting agenices need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates. XXXX reports XX/XX/24 30 days late, XX/XX/24 30 days late, XX/XX/24 paid on time, XX/XX/24 30 days late XXXX paid on time. XX/XX/24 30 days late, the rest of the year the data is unavailable. Equifax reports XX/XX/24 30 days late, XX/XX/24 30 days late, XX/XX/24 paid on time and XX/XX/24 also shows paid on time but for the rest of year shows data unavailable. XXXX reports XX/XX/24 30 days late, XX/XX/24 30 days late, XX/XX/24 paid on time but the rest of the year shows data unavailable. I'm reguesting that you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Mortgage

Planet Home lending will not allow me to pay online because we were granted forebearance and they blocked this feature. We would like to keep current as we receive some rents, however after an hour on the phone with Planet Home Lending, we can not make a payment. WHY ARE PAYMENTS BEING BLOCKED ONLINE? 

Also, they refuse to authorize me, despite my husband sending in the signed authorization 3 times. We have proof of this. Now they say the signature doesnt match, they never advised us if this over the last 6 months we have been sending the authorization in, despite having my husband on the phone today telling them it is his signature. He is working and now has to deal with this because of their mismanagement. Why didnt they let him know his authorization form was denied? No communication. Terrible company, terrible servicing, very incompetent. 

The forebearance department transferred me to the payment department, and the payment department said they can not take the payment and want to transfer me back to the forebearance department. 
IT HAD BEEN 60 MINUTES MOSTLY ON HOLD AND I STILL CANT MAKE A PAYMENT. 
Loan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 and XX/XX/19 I attempted to initiate a dispute on the Equifax website. It repeatedly told me I was entering personal information incorrectly, which I absolutely was not. During the verification process, I was correctly answering the questions regarding information that either is or is not on my credit report. I know I was answering them correctly because I check my credit report at least once a month on XXXX XXXX and also because I am currently in the 10th year of my career in retail banking and consumer and small business lending. After not being able to successfully register my dispute for free, like I have a legal right to do, I attempted to purchase an " Equifax Complete Premier '' membership assuming I would be able to register my dispute from there. I completed the process of initiating an account and entered my billing information at which point I was told that my card could not be verified. I entered my information again and received the same response. I then checked the pending transactions in my online banking and saw that they had charged me {$19.00} twice but was still being told that I did not have an account. I then called their customer service line XXXX and spoke with an employee named XXXX, EQUIFAX ID # XXXX. After having to give my social security to them for probably the 20th time, he told me they never charged me. I informed him that I had been charged twice and was told that I had to wait for the transactions to post and then I could email a different department with a screenshot of my bank statement and request a refund credit. He maintained that I did not have an active subscription but that he could send me a link to reset my password. I then asked how it was possible for me to successfully create an account and see the two successful charges to my account but still not be given access to my credit report or the ability to dispute it. At that point he said there was nothing else he could do for me and that I should wait to see the charges be removed from my account. I am shocked that after all of the wrongdoing and negligence Equifax has been found to be responsible for that they would continue to operate in a way that harms consumers. They have a legal responsibility to allow consumers to be able to dispute items, which they are not allowing me to do even though I am answering their questions correctly. The gentleman also blatantly lied when he said he could not see that there was a successful charge on their end. I sell credit card processing as part of my job. I know that if I can see the transaction on my end, they can see it on their end. Equifax needs to be held accountable for their continued attempts to rip off consumers and prevent people from being able to dispute the inaccurate and damaging information on their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/XXXX ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Experian will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Experian that information is accurate. This is the response i was given on XX/XX/XXXX after disputing it again on XX/XX/XXXX. Experian will not provide me with the name of the company so that i can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible. 

Additionally, they deleted a bankruptcy account from XXXX XXXX as it stated included in bankruptcy. I disputed this account as not mine as i had not filed bankruptcy. This was disputed on XX/XX/XXXX and deleted on XX/XX/XXXX. How do you delete an account attached to a bankruptcy that is not mine but not the bankruptcy itself ...?
Product: Credit card

i was in the hospital with a XXXX XXXX i was given several tests and i am now taking many medications i am not doing well i can not handle the stress of this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received two cashier 's checks totalling {$75000.00} for the sale of my boat. 
I deposited those checks into BMO Harris bank XXXX XXXX, Florida office. 

On XX/XX/XXXX, BMO Harris credited my account for the check deposit. 

On XX/XX/XXXX, I wire transferred {$10000.00} from BMO Harris bank XXXX XXXX Wisconsin office to XXXX bank. 

On XX/XX/XXXX, BMO Harris returned the origial {$75000.00} cashiers checks as not valid. 
My account at BMO Harris is now {$11000.00} overdrawn. They also took my social security deposits to offset the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing or added a remark that my mortgage is affected by a natural disaster. However, the account with XXXX XXXX   Servicing is current and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit it shows Syncb National Credit Cards/Airlines. I have gotten bills, calls etc. I told them I never got any money for any airline anytime in my life. I simply was looking but never received anything. They did not care. This needs to come off of my credit. I am not paying for something I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX  XXXX  XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX
Product: Debt collection

I had disputed with XXXX XXXXXXXX XXXX XXXX that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called XXXX XXXX XXXX XXXX today and I was advised I opened up the account with Capital One on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. XXXX XXXX XXXX XXXX purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at XXXX XXXX today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.
Product: Payday loan, title loan, or personal loan

I applied for a loan with XXXX who denied me then referred me to XXXX who took all info my then OppLoan popped up saying congratulations with the most outrageous option for a XXXX loan ever. The option was XXXX a month for 3 years at 160 % interest which would result in me paying that company back XXXX for a XXXX loan! I am sending screen shots of this. I did not complete the app because that is extreme predatory lending!