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

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all XXXX credit bureaus XXXX. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late XXXX. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Re : Fraudulent Account To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. This account is fraudulent and should be removed immediately. 
- XXXX account number XXXX Opened XX/XX/XXXX Delete this unconfirmed account lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act. 

I have supplied FTC Report Number XXXX for reference. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I have lived at XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX for 19 years, where I have maintained XXXX XXXX XXXX XXXX for several years. I also have my parents ' apartment where I have the same service at XXXX XXXX XXXX XXXX XXXX Florida XXXX. The payment process has always been perfect, up to date and automatic in both accounts for years and without any problems ( Verifiable Information ) However, Approximately two years ago, an unauthorized XXXX XXXX XXXX  fraudulent account was opened in my name in XXXX, Georgia where I have never even been to visit. Despite providing evidence, such as police records and other documentation, to demonstrate the unauthorized nature of this account, it appears that it is not in their best interest to accept this reality. The fraud Department XXXX XXXX XXXX XXXX has not adequately investigated the matter. This is the third case and now the Company I.C. SYSTEM INC, which I do not know and have never made a contract with them, on behalf of XXXX XXXX XXXX, have reported a new Collection account in the XXXX Credit Bureau, which has caused me great damage and frustration. It is unacceptable that XXXX XXXX XXXX is neglecting its responsibility to address this issue promptly and accurately even by showing you all the evidence that it is not mine. No matter how much I talk to the XXXX XXXX XXXX fraud department, they don't want to listen to me, they leave me on hold for XXXX hours and hang up on me. As a citizen... If there was any law that protected me and if someone investigated these types of acts they could find the truth, I am a single woman and I keep all my payments up to date with a lot of sacrifice to maintain and take care of my credit and it is very unfortunate that these type of acts affect my credit score because it is something that can continue to repeat itself which will affect me in various ways in my future. I really hope someone here can help me. Thanks in advance. 
I.C- XXXX # XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The service was connected in.. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Open : XX/XX/year> Closed : XX/XX/year> Original Balance - {$560.00} Police Case Report # PD XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX issued a garnisment of my wages in XX/XX/XXXX. They have been taking 15 % of my income since then. At one point they offered a repayment option to stop the garnishment ( XX/XX/XXXX I think ). However that repayment plan had a clause that said if you were late with XXXX payment you were back in default. I opted not to take the plan. In XX/XX/XXXX my employer took out the last payment to Great lakes. On XX/XX/XXXX I got a letter stating I still owed them another {$3000.00}. ( The amount has actually gone up since the date of their letter. ) The original garnishment was for {$20000.00}. Since then I have paid them roughly {$22000.00} and now they want XXXX more for a total of approx {$25000.00}. ( It will actually be higher as they are adding XXXX plus dollars to the bill every month ) I can not make my house payment and other monthly bills going forward as they are taking XXXX dollars from each paycheck.
Product: Mortgage

On XX/XX/XXXX my mortgage is paid in full, I tried to get in touch numerous times with BSI Financial service these are the people that holds my mortgage Either I waited on the telephone for at least 30 minutes or more, or we will lose connection. I did not get any information or letters stating that my mortgage was paid in full until I started calling BSI customer service every day after my mortgage was paid off in full.Then some of the response letters that I receive had misinformation.I see that BSI financial service had A settlement with consumers financial protection bureau in the past. I read the settlement and with my experience With BSI financial service, the practices that was stated as a complaint in settlement is continuing with BSI Financial service
Product: Checking or savings account

The company that took the funds is called XXXX XXXX never heard of them I bank with a chime I got a deposit which was my tax refund sent to my chime account it came through around XXXX on XXXX the XXXXXXXX XXXX I was on my way to the ATM to make a withdrawal as soon as I tried to unblock my card to access my funds my account was logged out of approximately XXXX dollars was taken from me in minutes I've reached out to chime several times all they do is send automated messages saying they have a dispute team working on it in the mean time they have not provided me a credit I'm a single mom with XXXX I also have a XXXX arriving the best answer they gave was they will maybe credit my account by XXXX the XXXX my baby will be here on the XXXX not to mention I'm currently not working due to XXXX and my baby XXXX XXXX XXXX XXXXXXXXXXXX XXXX.I can't continue to wait for my funds I will be homeless soon this is ridiculous making me wait for a credit when clearly my account was hacked chime needs to do better with security and better by their members especially ones that have had chime for years.
Product: Credit card or prepaid card

I recently got the capital one XXXX card. I was able to make a few purchases with no issues and then all of a sudden it said my account was restricted and I couldnt make purchases. 

This is not right. I have two other capital one credit cards and Ive paid them in full every month and have had a relationship with capital one for over 3 years now.

When I called customer support they just said a concern was on the account and someone would get back to me within 7-10 business days. Excuse me but what? Im assuming because its a new card and I was spending large purchases it triggered it. Why do I need to wait this long?
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. On XX/XX/2021 I sent a certified Letter to Transunion informing them that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

On XX/XX/2021 I received a response from Transunion stating that my written authorization MAY not be required to constitute permissible purpose. And that my specific consent to the release of my credit information is NOT necessary for a permissible purpose to exist.
Product: Debt collection

I opened a credit card account, my father later was diagnosed with stage XXXX XXXX. We not wealthy it happened so fast. I used the card I live on a fixed income. I stated this to XX/XX/XXXX XXXX. Midland Credit Management brought the debt. I was unaware my debt was sold. I opened my front door a man standing there holding these summons papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has made my credit report unavailable to lenders and creditors. They are not able to pull my report, see my file or generate a credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled up my report from Transunion and noticed several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I called to my bank adviser and they told me that someone been tried to obtained credit card on my behalf, so I become a victim of identity theft. 
These hard inquires are not mine and must be removed from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these from my report immediately
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). More specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was deceptive and unfair, as they did both 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 or other personal consumer reports

I have sent out dispute letters regarding information on my credit report and they haven't even responded to me. This is unacceptable because I provided proof and I even called to confirm they received. I need these removed from my report please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Reporting Agencies : XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Identity Theft Request for Fraudulent Accounts to Be Blocked and Removed To Whom It May Concern, I am writing to formally notify you that I have been a victim of identity theft, which I believe is linked to the Equifax data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the following accounts be blocked and removed from my credit report immediately : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Please consider this letter as my official dispute and request for removal of these accounts. I have attached a copy of my identity theft report, a copy of my government-issued ID, and any supporting documentation. I also request that a fraud alert be placed on my credit file to prevent further fraudulent activity. Please provide written confirmation once these accounts have been removed from my report. If you require any further information, feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about inaccurate late payments appearing on my credit report associated with my auto loan account. According to my records, there are late payment remarks. However, these late payments are erroneous and do not reflect the accurate payment history of my account.
Product: Money transfer, virtual currency, or money service

I sent {$1900.00} on XX/XX/year> through XXXX to my inlaw to do some work for me in XXXX. I received a confirmation message on XX/XX/year> that the money was in the recipient 's account. However, the recipient went to the bank and was told by the bank that the money was not in his account. I called XXXX and complained and they told me to send the recipient 's bank statement to verify he never received the money and to either refund the money to me or ensure it is available in the recipient 's account. I provided the bank statement to XXXX more than two weeks ago, and each time I called them they told me they had expedited my case and it would be resolved within 48 hours but it has taken more than two weeks and XXXX never got back to me, and I have suffered some financial loss because of their delay. I need the money either delivered to the recipient, or refunded to my account without further delay, and I need to be compensated for their delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX/XXXX/16 reported XXXX XXXX as central finl control XXXX, next day reported as syndicated office systems same address. They go back and forth to tank my credit score. on XXXX, my report shows account closed from central finl control on XXXX and XXXX, XXXX does n't even show name. now again on XXXX, if the acct is closed, which why are these people reporting when I am paying original debt. why do they keep sending this negative info. to lower my score and no calls, no letters from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been told by several financial institutes that my Equifax report is no longer existing.
Product: Mortgage

Myself and wife applied for a mortgage with Chase in XX/XX/2019 during which we were in the processing of securing a property. After a long search, our offer was accepted in XX/XX/2019 for the XXXX property. We secured Chase as our lender and deposited {$500.00} to lock our rate. The rate included lender credits on the points which we were really happy about. Unfortunatley, the closing fell apart during attorney review as the seller  's attorney was not cooperating in providing the condo documents which would be required for Chase. As such, we were aware that the {$500.00} would not be refundable. We continued to look for other properties and luckily we secured a 2nd property for which we returned to Chase to resume the mortgage process shortly after XXXX. We spoke with XXXX for which he advised that the {$500.00} deposit would be refunded and they will try to ensure that we would have a similar deal to what we previously had. XXXX promised a call that following Monday but he was unexpectedly out of office. We then spoke to a XXXX who ran our credit once again and gave us a rate which included points that we would pay. Myself and my wife asked that to not have points. Chase then went ahead and asked us to go to a competitor who can give us a better rate so that they can match it. I found this to be deceptive as i was promised by XXXX that they would do whatever they can to provide us what they originally did in the 1st property. After several emails my complaint was escalated to several individuals from an " escalation department ''. All of them resorted back to the fact that due to the policy i would not be refunded. In addition, they made claims that i even went thru an appraisal which i did not! Each representive i spoke to showed no lack of care and dismissed my reason to ask for the refund. Furthermore, they said that if they refunded me, they would have to refund everyone else. They said they did not care about me closing my accounts with Chase. I demand that someone from the Executive team reach out to me to personally apologies and give me a full refund of {$500.00} due to the deceptive pratices by the Chase Home Lending team.
Product: Credit reporting or other personal consumer reports

XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX  themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.
Product: Debt collection

Date- 2020 Amount- {$1600.00} Action-Reported to XXXX I have contacted this company and ask for proof of verification more than once and still no response. XXXX removed it for 4 months but replaced it on my credit file in XX/XX/2020. It is not mine and is ruining my financial credit score.
Product: Credit card

Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Bank of America ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the " Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help!