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

Per the FCRA, as a federally protected consumer, I opt out of any and all authorizations that I may have given you verbally or non-verbally, written or unwritten effective immediately and indefinitely per 15 USC 6802 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also per The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The companies involved are XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Mortgage

I received a refinance with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Flagstar Bank, loan # XXXX. My original monthly payment was {$2300.00}. During the time I received a tax statement which indicated that my 2017 taxes had increased due to a HERO loan lien on the property. That lien was paid off during the process of the refinance. Then I received a revised tax statement showing a reduction due to the payoff of the loan. I then received a revised mortgage statement showing an increase in my monthly payment to {$2800.00} I then notified Flagstar of the discrepancy and asked for an analysis be done to correct the mortgage payment and revert back to the original payment. The new mortgage payment is now {$2300.00} which is {$45.00} more than the original mortgage payment. I then called Flagstar and was told by representative ( XXXX ) that there is a cushion required in escrow accounts that Flagstar requires to be paid. Not all firms require this cushion to the escrow account. Nonetheless now my monthly payment has increased from the original payment I agreed. Prior to receiving the adjustment of my monthly loan payment I was never notified in writing by Flagstar to expect an increase in my monthly payment due to a cushion requirement. I feel that as a consumer this additional {$45.00} could later become a hardship, so therefore, I would like an analysis from Flagstar to look into this matter. I was told most likely nothing will be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by Equifax, XXXX XXXX XXXX have caused my harm as I am trying to maintain my finances during the COVID pandemic.
Product: Mortgage

I went into my Carrington online account and increased my payment to pay off debt quicker. 
From that page, I increased my payment, saved it, and moved on. 

Then I missed a mortgage payment that was unknown to me. Please understand I have the money in the account. It was never short on money. I have been on auto pay with this mortgage since XXXX and never a missed payment, and I don't believe any have been late. 

I got a notice in the mail that I needed to contact Carrington mortgage because of this missed payment. I called them on XX/XX/XXXX. I talked to several people and they could not help me. They had reported me to the credit bureau on XX/XX/XXXX they said. Nothing they could do. This was the only mailing I got. No phone message or anything else. When I called them, I asked them if they called me. They said their records show they did. And their records were detailed enough to show them that they did not leave a message ( just as I said ). I asked why they did not leave a message on something so important and he could not give me an answer. 
After XX/XX/XXXX I received more mailing but it was too late to save my credit score. It dropped from XXXX to XXXX. I know that is still good, but this is so upsetting. I have been really trying to break 800. 

***I will attach a letter with more details. Please help me to contact this company and remove this from my credit report. I should have received several mailings and also received several calls and messages. Never a voicemail. That is shocking! 

***also, there is no other comment section, so I will add this here. You asked what type of mortgage it was. I checked Conventional. I actually believe it is a VA XXXX loan. But your section asked if it was a VA loan ( active duty or Veteran ) and I don't think it is the same. But I am not a veteran. I bought this property as a  foreclosure. I wanted to clarify so that you understood why I marked conventional. I did not want the system to start asking me questions about my documentation as being in the service, because I am not. 

Thank you in advance for your help.. 

Sincerely, XXXX XXXX
Product: Bank account or service

I opened an online bank account with Simple within the last XXXX3 months. From the beginning I had multiple issues. Immediately I had trouble accessing money I had deposited into my account. I called customer service multiple times and got different answers. I was able to complete some small transactions. In early XXXX, Simple contacted me stating that they believed someone else had accessed my account. I called simple and they gave me instructions that I needed to verify some information. I logged into Simple as instructed and a pop up window with a customer service rep walked me through what I needed to do. I completed verifying my info for a new account, and even attached my drivers license and proof of residency for upload in the chat box, the rep explained that my money deposited in the old account would be transferred to the new XXXX and would be protected from fraud. and I should receive a new card in XXXX4 business days. I thought they said it would only take a couple of days but when that did n't happen I emailed and received a response saying it would take 7 business days. Seven days later my {$1300.00} ( approximate ) showed as pending. Sigh of relief! It will nice to have access after almost a month. Only to log in the next day with an account balance of {$0.00}. I proceeded to call customer service and explained the situation, the rep responded that it must be fraud and shut down my access to my account. They now refuse to give me any information at all or any of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record being reported on my credit file, and it says that the data furnisher is the bankruptcy court, it also says that this bankruptcy was discharged on XX/XX/2016, I disputed this bankruptcy with the credit bureaus because it doesn't seem correct to me. First I never filed for bankruptcy, I told the credit bureaus that this was another persons bankruptcy and that the person has the same name as me. I contacted the court and asked about this matter and they told me that the courts do not share bankruptcy information with the credit bureaus, another thing that isn't correct is the address on that bankruptcy because it says XXXX XXXX XXXX, XXXX, Ma XXXX and I have never lived at that address. I live in XXXX, Ma and my address is XXXX XXXX XXXX, as I was looking at my credit report, it says that they get this bankruptcy information from a company called Lexis Nexis, I don't know what that company is or what it is that they do. When I disputed this bankruptcy with XXXX, XXXX and XXXX, for some reason it came back as verified and that it was accurate and this can not be right. I need this public record deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

m concern that my recent review of my credit report have items that I did not do nor charged .This have prevented me from future endeavors.I appreciated your time in looking into my issue and concern in a speedy way, Thank You in Advance,
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have reached out to the credit bureaus, department of education and XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file ive noticed alot of invalid information that is hindering my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, Equifax and XXXX, there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) Due to the inadequate customer service and Unfair practices, which violates the consumer financial protection act.Specifically cashapp failed timely and effective measures to protect and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I went to emergency room early Saturday morning to get a pain killer and for XXXX in XXXX 2015 ... ... Doctor said nothing could be done until blood test results provided on Monday ... best to see my Primary Physician on Monday. 
Hospital charged my XXXX account over {$2500.00} for a XXXX visit to ER visit and I did not pay my CO-PAY ... XXXX NO medication was @ hospital. Saw my PCP on Monday and he took care of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report .

The following inquiry is more than two years old and I would like it removed XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> I initiated a withdrawal in the account of {$850.00} from Cash app to a XXXX account. XX/XX/year> the funds were said to have been delivered to my account but they were not. I checked the account information on Cash app and the last XXXX digits of the account didnt match my account. I called customer service and was told my account couldnt be located and Id need to use chat support. Chat support initially told me the transaction was still pending. I stated that their system said it was complete and my funds werent credited. They then told me that I needed to wait XXXX business days. I told them I did. I continued to ask for the exact routing and account details which they never confirmed. They asked if I didnt recognize the account ending in XXXX and I told them I did not. They informed me the bank information was changed XX/XX/year>, however, I did not make that change and didnt receive any notification a change was made to my account. They initiated a dispute and told me to contact my bank and be sure to provide my bank with the tracking number of the deposit so they could investigate. I asked them for the tracking number, it was never given. Next I was told they made no errors and the issues was resolved. They refuse to provide any further assistance.
Product: Credit reporting or other personal consumer reports

Subject : Insufficient Response to Dispute of Late Payments Account Number : XXXX To Whom It May Concern, I am writing in response to your letter regarding my dispute of late payments reported on my account ( Account Number : XXXX ). While I appreciate the effort to provide a payment history, your response fails to satisfy the requirements under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy, completeness, and validity of the reported late payments. 

Key Concerns Regarding Your Response : Failure to Provide Proof of Notifications or Communications : My original dispute specifically requested copies of notices or communications sent to me regarding the alleged late payments. 
Your response did not include any documentation proving that I was notified of the late payments, payment due dates, or delinquency status. Without these notices, the late payment claims remain unverified and incomplete. 
Lack of Evidence Supporting Electronic Billing : You stated that billing statements were available electronically. However, you did not provide proof that I consented to receive electronic billing as required under the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ).

Additionally, there is no evidence showing that these electronic statements were delivered in a timely manner or were accessible to me.

Incomplete Verification of Late Payments : While the payment history provided shows dates and amounts, it does not confirm : That I was properly notified of my payment due dates.

That the alleged late payments align with the agreed terms of my loan.

As such, the information remains unverifiable and fails to meet the standards set by the FCRA.

Arbitration Costs and Unfair Processes : I am also aware that resolving disputes through arbitration could incur significant costs, including a {$360.00} initiation fee, an additional {$1400.00} shortly thereafter, and daily arbitrator fees ranging from {$1500.00} to {$2000.00}. These costs place an undue burden on consumers seeking to resolve disputes fairly and transparently.

Proposal for Resolution : We can resolve this matter in one of two ways : You can remove the late payments for the months XX/XX/XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX ( XX/XX/XXXX ) from my credit report. 

Alternatively, we can proceed to arbitration, and your company can incur significant fees in the process. I am prepared to pursue arbitration if necessary, as I am confident my consumer rights have been violated, and I will ensure my case is reviewed thoroughly. 

I am fine with either option, but I encourage your company to reconsider its position and resolve this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One obtain a copy of my credit report on XX/XX/2017 without my permission. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE tried to open a credit card at XXXX XXXXXXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting

I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.