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

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The letter said, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

I also wrote a letter on XXXX XX/XX/XXXX to XXXX XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The letter said, XXXX last active with XXXX shows XXXX XX/XX/XXXX, and XXXX  shows date last active as XXXX XX/XX/XXXX. XXXX  shows XXXX late for XX/XX/XXXX, and XXXX  shows this paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Update this account to paid on time for XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Product: Credit card

I received the Citi card and looked at the terms. I didn't like terms and called XXXX. I was informed that the conversation was being recorded, so I said that I would record it as well. I was than connected to a man and told him I wanted to cancel the credit card. He told me if I would stay a customer that he would give me air miles. I told him I didn't like the terms of the card and asked to cancel. He went on telling me different cards, and would not entertain my 20 or so request to cancel the card. I became very frustrated and angry at his behavior and asked to speak with his supervisor which he ignored. I told him that I would file a complaint, which didn't fase him and he continued to go through all the benefits of being a customer. This went on for 14:57 minutes. I was informed via the introduction that the conversation would be recorded, so I said I would record, it without response. I received the Citi card and reviewed its terms. However, I wasn't satisfied with them and decided to cancel the card. I called XXXX and spoke to a representative, explicitly stating my intention to cancel the card. The representative tried to persuade me to stay by offering air miles, but I firmly declined and repeated my desire to cancel. Despite my repeated requests to cancel the card, the representative kept trying to convince me to stay and offered different card options. This caused me to become increasingly frustrated and angry, and I demanded to speak with his supervisor, but he ignored my request. The representative continued to promote the benefits of being a customer, and the conversation lasted for 14 minutes and 57 seconds. He was still going thorough his pitch when I hung up in frustration. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.Gaurdian credit union 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times to get Experian Credit Bureau to remove my old names and addresses and businesses that were operating out of those addresses at that time. I no longer live at those addresses nor are the businesses operating anymore since I have retired. The FCRA compliance says if the United States postal service can no longer deliver mail to me or my businesses, Posting this information on my credit report would be false, misleading, and more importantly inaccurate. The credit bureau is not allowed to report inaccurate information on my credit report. They are very reluctant to remove this information. I sent a request for removal on XX/XX/2020/ XX/XX/2020/ XX/XX/2020 no removals as yet. ( document provided ) They also mare reluctant to remove some Hard Hits all made within a 5 day period for the same reason done to 1. ( document provided Thank You XXXX XXXX. SSN : XXXX
Product: Debt collection

I closed out my account with XXXX fulfilled all obligations. There was a {$59.00} charge for some odd reason so I went to the XXXX  store in XXXX XXXX FL and spoke with a rep who I handed the equipment to. She made a call and they concluded that I didn't owe any money, that my account had been XXXX out. 

I had never heard from XXXX after that but about a month or so ago some random collection company was claiming I owed them {$59.00} for an outstanding XXXX bill. I told them the same thing, that my account was XXXX out by a XXXX associate at that specific store and they were saying that they only know what they have. 

I contacted XXXX again, and again they confirmed I had no outstanding debt so now I'm questioning if that was a scam company trying to get my credit card info. 

Today, I see on my credit report a collection notice which has harmed my credit score. 

This seems criminal to me but I reach out to the CFPB to help me with this issue. 

Kind regards and respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX EQUIFAX AND XXXX HAS SOME INQUIRIES ON MY CREDIT REPORT. THAT ARE NOT MINE. 

XXXX XXXX-NOT MINE. PLEASE DELETE Equifax Mtg-NOT MINE. PLEASE DELETE XXXX XXXX XXXX-NOT MINE. PLEASE DELETE XXXX-NOT MINE. PLEASE DELETE
Product: Mortgage

XXXX was a previous complaint for this year. We went as for as to attach our COI in question in the complaint and they still will not resolve this for us. We were approved for a loan with our master HOI policy ( we live in a condo ). New Rez tells us our coverage is not sufficient and force places insurance. Then they realize that we had sufficient coverage. We end up having our money put in escrow. Our issue is that NONE of this should be happening. I even spoke to a representative that pulled it up the policy with me on the phone. We looked at it together and both saw that there is more than enough coverage. I was told the force placed insurance would be cancelled and I would get a letter confirming it. Instead, we got a letter telling us we do not have sufficient wind coverage. This is also inaccurate, but we can't get anything fixed. If you actually look at the attachments, you will what we are talking about. Nobody will help us in spite of being excellent customers that always pays on time, in spite of the fact that New Rez likes to keep adding to our payment. Our loan was approved with a payment of {$1800.00}. Now our payment is {$2100.00}. Nothing has changed. We have sent New Rez the COI over and over and over and called and submitted complaints. Nothing. If you look at the original complaint, you will see that they are not actually looking into this for us because I posted the COI in question and it obviously has all the information like the loan number, address and New Rez listed as the certificate holder. The fact that they are still asking for the same insurance policy that I went over with a representative on the phone is the problem. The fact that we have to spend so much time fighting with this company over absolutely nothing, is a huge issue. The fact that they just take our money because of a mistake on their end and keep placing our money in escrow is a problem. A normal company could just look at the notes from last year and see this is the exact same problem as last year. Others claim to be experiencing this problem with force place insurance. The issue is that you have to go into forclosure and then prove that New Rez wrongly increased your payment. We are trying to avoid all of that and can't get any assistance. We just want our mortgage payment fixed and for the company to figure out some way not to do this to us again next year. Last year I fought this and finally got it resolved. A month or two later, I was at it again. Someone needs to do something about this. Look at my attachments and see if you see the same problems that I do. FINAL QUESTION : How do you suddenly change the insurance requirements mid loan? Our building has to have certain coverage just to be legal. We have sufficient coverage. We have always had sufficient coverage. Fix this, PLEASE! DO not give me canned responses about what you need on the policy. We have done everything on our end. Show me on this policies that I have attached why this one is not sufficient. I am not trained to read these policies, but I do know it is the same coverage we had our loan approved with. Address the actual question, please. I will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been 30 days late with a lender. I made a payment in XXXX that was frozen due to fraud on my personal bank account. I was not notified that Lowes was not paid until they reported that I was 60 days late on my credit report. I have spent several hours and made several attempts to get this corrected, but they have not helped me.
Product: Credit reporting or other personal consumer reports

The Bank of America inquiry placed on my XXXX credit report needs to be removed. I fit not want my credit to be ran in the first placed and I was not aware of what was going on. Nor did I get approved for anything. This inquiry is from XX/XX/2023. Please help remove this off my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and equifax refuse to remove a incorrect address on my file. I provided proof via picture of my id and a utility bill with my correct address and they still refuse to remove it from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

When I purchased my town home in 2019 I paid the mortgage ahead a month for my own security.. In XXXX I maid more than half partial payment because I was ahead a month didn't think it would be an issue to just keep paying on my mortgage ... Wellsfargo took my partial payment put in a different account never told Me or applied my finds ... .I continue making scheduled full payments following my partial extra payment thinking everything was fine an I have a lil cushion if needed ... .I started receiving late payment notice in mail. I called they move my money I had no clue and they were not applying any of my payment saying that my extra payment was not added ... by the time I got this all figured out my security was gone an my mortgage went up an they made me pay additional XXXX to get them back on track when I was paid up w extra in bank NOT BEING APPLIED no one told me my money was moved no one told me I couldn't pay extra so for Me to.make an extra payment an it messes up my account is crazy to me I don't understand why no one would say anything I made all these payment in person at the bank an no one even.knew what I was complaining about when I came back to bank like they didn't even know about the account my money was moved to. Flash forward Corona hit and I had no cushion because of their negligence when we NEEDED IT.
Product: Checking or savings account

I am a startup business and work off minimal funds for now and dependent on the ability to access deposits so I can pay my help, Chase Bank has done this three different times resulting in my employees looking for other employment., now it is Friday and the rest of my people are ready to walk out the door cause Chase has placed a 7 day hold on my check, I contacted the person whom wrote the check to me and they confirmed they received a call and verified the funds but still have a hold on it. I will have to shut my doors on my start up business due to non-payment to my employees thanks to Chase Bank! 
I have read the reviews and it appears I am not alone in my frustration and in my personal opinion they should not be allowed to practice banking and messing with people 's lively hood, today is the 1st and I can't pay my guys... I only hope they don't get evicted! 
Thank you, Chase, you're the BEST!
Product: Debt collection

A fraudulent account is reporting on my credit from Credit Collection Serv Account # XXXX. This account is not mine. The reporting of this account is having an adverse effect on my credit files.
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. 
XXXXXXXX XXXX  XXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account XXXX : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX Account # : 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already removed.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cashapp 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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action have caused significant inconvenience XXXX financial loss, XXXX i seek appropriate redress for these violations
Product: Credit reporting

I was a vcitim of the trans Union Inquiry issue. I contacted customer service and they would not help me delete my inquiries which are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 never gave me a chance to settle, cure the debt before reporting to all three major credit bureaus. 
Causing a negative impact to my credit score, dropping score XXXX points I had an exceptional pay history of over eight years never late never missing a payment on all three credit bureaus, XXXX, XXXX XXXX and Experian. I was never notified that. 
the account was sent to or transferred to collection. Account was paid in. 
full and closed, because I moved, and XXXX services was not in the area for service I had moved from Delaware to Georgia XXXX miles I haven't had time Or reason to check any email Especially from a bill that I assume was paid and closed. I found out through credit reporting product, that I paid for each month alerting me that my credit score has dropped XXXX points. XXXX failed to give written notice of the debt and fell to validate the debt when requested. After filing a dispute with Experian credit reporting agency, they fell to remove the collection off my credit file, which will stay on my credit for seven years.
Product: Student loan

I applied to the new XXXX XXXX  in XXXX. Which that Im eligible for payment per federal government website of XXXX a month when I completed the federal XXXX XXXX application in XXXX of this year. Nelnet has not adhere to the federal governments new program which is eligible for all borrows who apply effective as the beginning of student loan payments as of XX/XX/2023. Now Im paying over XXXX a month which I can not afford Im sent over my documents from the federal website to Nelnet
Product: Checking or savings account

I tried to open an account and made aware that I can not because CHEX SYSTEMs is reporting inaccurate information from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account was charged off. on or before XX/XX/XXXXarranged payment plan to pay down balance without accruing any further interest, beginning on XXXX. In an effort to audit my progress I requested a balance history from Capital One regarding this payment plan. They only allow debt-holders to see how much the payment was and what the current balance IS- that is to say there is no way to look back a the balance at any point in history. 

Capital One is withholding balance information from me, the consumer. 

Image attached below shows scheduled and successful payments, but no balance is given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, XXXX XXXX reported the debt and was showing the same debt of {$3400.00} was unpaid. I contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted XXXX XXXX and their representative outright bullied me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to Experian and XXXX. XXXX  is currently working and investigating the dispute. Experian however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by the name of XXXX in XXXX XXXX who refused to give her last name, stated that Experian verified the debt with XXXX and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.