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

When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, Nissan Motor Acceptance Corporation ( NMAC ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from NMAC stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called NMAC to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and Experian but they sided with NMAC.
Product: Debt collection

Midland Credit XXXX has been calling harassing me since XX/XX/2021 they repeatedly call from a variety of different numbers I have been asking them to stop the calls even block the numbers and more continue to come.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove these items ASAP. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage payment is XXXX per month. I paid XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I paid my mortgage payment in full and on time. I often receive my statement and the funds I pay are not applied to my mortgage. Chase says they hold the funds in until the payment is received in full for the month. How is it legal for them to accept my money and not apply it to my mortgage ( saving me money in the long term ) when they receive it? This is an abusive and deceitful practice and consumers should be protected from this practice. It allows the mortgage company to steal from the borrower.
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 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. 
Also, Ive contacted Cash App countless times about getting my name changed on my account. Ive gotten married since making this account and this still has my old last name on it. I would like that changed but can not get ahold of anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Product: Debt collection

I opened up an account with XXXX XXXX. Made a large purchase. XXXX XXXX wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to XXXX XXXX  they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unrecognized inquiry on my credit report from VENMO. Remove immediately.
Product: Mortgage

Bank of America mortgage complaint. 
I am having trouble dealing with Bank of America on a mortgage. There are XXXX issues. 
1. I want to do a deed in lieu but they are directing me to a refinance. they say i have to be reviewed for a refinance before they can look at a deed in lieu. 
2. I have submitted all of the required information but they keep requesting the same information that I have already submitted. 
These delays are preventing me from proceeding on disposal of my property
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 10th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account " XXXX XXXX XXXX : Account # XXXX ''. XXXX  then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was " verified correctly '' but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.

There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries. 

*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account " XXXX XXXX XXXX : Account # XXXX '', this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached. 

Thanks.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an error on my Motor Vehicle Report ( MVR ) that has significantly impacted my insurance premium. LexisNexis has erroneously added a second profile under the name XXXX XXXX XXXX, with a date of birth XX/XX/XXXX, to my MVR. This incorrect profile was subsequently provided to my insurance company, which caused my premium to significantly increase. 

The only accurate and authorized profile that should be associated with my Motor Vehicle Report is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I have no connection to the incorrect profile, and its inclusion on my report has caused unnecessary financial harm and inconvenience. 

Additionally, my insurance company failed to notify me about the addition of this second profile to my policy or the resulting premium increase. This lack of transparency has further exacerbated the situation and left me unaware of the root cause until I reviewed my records. 

I am requesting the following actions : Immediate Removal of the Incorrect Profile : LexisNexis must remove the incorrect profile of XXXX XXXX XXXX from my Motor Vehicle Report and confirm that only XXXX XXXX XXXX is associated with my MVR. 
Notification to My Insurance Company : LexisNexis must notify my insurance company of the correction and provide updated and accurate information. 
Refund of Overcharged Premiums : I request that my insurance company recalculate my premium based on the corrected information and refund any overpayments resulting from this error. 
Verification and Confirmation : I request written confirmation from both LexisNexis and my insurance company once the error has been rectified. 
Please treat this matter as urgent and respond promptly, as the error has caused significant financial and emotional distress. I expect corrective action to be taken immediately and that I will not suffer further consequences due to this oversight. 

( The profile in question is located on page XXXX of the document I have uploaded ) Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

They charged me a annual fee without my knowledge or consent! I had already frozen my account 2 weeks prior to them adding the feed to my account. The reason I had Frozen it was because of their customer service and the unknown charges prior to AMEX even putting the charge on my card. 
Thank you for your help with this matter!
Product: Prepaid card

EXTENSIVE WAIT TIMES TO GET A HOLD OFF MY ACCOUNT. THERE WAS NO EMAIL OR PHONE NOTICE OF HOLD ... ONLY FOUND OUT WHEN TRYING TO ACCESS MY FUNDS. 20 MINUTE, 24 MINUTE, 34 MINUTE WAIT TO GET TO THE RIGHT PERSON. THEY CLAIM TO HAVE INSUFFICIENT STAFF TO HANDLE CALLS ... S O WE DO NOT GET THE SERVICE WE ARE PAYING FOR.
Product: Debt collection

Creditor is clearly breaking the law by noncompliance or responses after stating the account was disputed XX/XX/XXXX. Creditor has failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I informed the creditor that if no proof is provided within 14 days from the receipt of this notice the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This creditor has failed to provide the proper legal documents and is well beyond the allowed XXXX notice to show such documents, given by the FDCPA. I demand the creditor remove the invalid claim from my credit report immediately or I would like to consider to begin litigation immediately. XXXX PA XXXX and state R ISA and MVISA STATUES THE DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THR REQUIRED notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. creditor has failed and his now 90 days with no response delete immediately .THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I faxed all three credit agencies ( XXXX, XXXX, Equifax ) to remove incorrect /derogatory reporting of XXXX liens on my credit report which had been paid, released and withdrawn in XXXX. I faxed the supporting documentation proving that the derogatory reporting was not valid XXXX and XXXX promptly removed the inaccurate reporting but I discovered that Equifax did not. 
3 weeks ago I applied for a home equity loan and was denied the lower interest rate because of score due to derogatory public records on my credit-report from Equifax that should have been removed ages ago. 
Equifax is still reporting this inaccurate derogatory information which is affecting my ability to properly qualify for a loan and causing me hardship.
Product: Money transfer, virtual currency, or money service

I was involved in a rental scam. I asked to send money for the rental agreement via XXXX got the key moved in only to have to move out the next day. The day I moved in and found out I had been scammed I got a police report and notified my bank. My bank says that I willing sent the money which is true, but I willingly sent the money thinking I had a place to live. Now I am homeless.
Product: Checking or savings account

Starting on XX/XX/XXXX my account was hacked for thousands of dollars. Mostly from XXXX XXXX. My bank finally sent me a fraud alert after multiple back to back charges to a few different names. I also had a XXXX charge and an XXXX charge. My bank gave me XXXX of the almost XXXX that was taken. I myself got the {$1000.00} charge from XXXX back myself even though my bank denied that claim. My bank stated that the reason they denied my claim was because XXXX XXXX said it came from my account. I have not used XXXX XXXX  since XXXX. When I contacted XXXX XXXX they helped me log into my account and the last transaction was made in XXXX. My bank said the will not refund the remaining {$2700.00} that was so obviously stolen from me. Back to back charges in different amounts to a person under the name of XXXX XXXX. First {$250.00} then {$400.00} then {$300.00} then {$200.00} with others charges to different individuals in the amount of {$450.00} then {$250.00} then one for {$85.00} then {$22.00} after the XXXX they sent me a fraud alert. A XXXX charge for XXXX and another XXXX charge for XXXX. Then an XXXX charge for over {$1000.00} but I was able to get that refunded myself from XXXX. They refunded around XXXX of my funds back but denied the rest. This makes no sense at all. I have been banking with them since they were suntrust. Im not really sure what to do but {$2700.00} is a lot of money and they said they will not reopen the case for me.
Product: Mortgage

SPS is attempting to foreclose on my home with fraudulently assignments. The assignment was created after the cut off date of the pooling an servicing agreement filed with the SEC I have submitted a QWR and requested proof of claim. I have not received a response to my request date XX/XX/2019 XX/XX/2019
Product: Checking or savings account

XX/XX/XXXX Purchase was made. Product was never shipped or received. Order was canceled in XX/XX/XXXX. Have email to support. 

XX/XX/XXXX that product is being charged against my checking acct again. 

Unable to reach any representatives that know how to fix the problem. also they do not know how to set up a fraud complaint. 
I have {$1100.00} being taken from my checking acct without authorization.
Product: Debt collection

I sent a XXXX on XX/XX/2022, here is my Certified Mail XXXX XXXX XXXX XXXX XXXX, to remove a fraudulent account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

Additionally, they are not licensed to collect in the state in which I live, and therefore are violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPTEDXXXX  XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX XXXX  still have account on 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 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.