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

I was notified and sueing Equifax because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about 1oo times now XXXX has blocked me from disputing information on my credit account, Because of the Equifax data breach I see on Equifax information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and Equifax and XXXX are showing inquiorys that I didnt do all being done because of the Equifax data breach all three tell me they cont care and cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. 
Original creditor : XXXX XXXX owner : LVNV Funding LLC The tradeline reported by : Resurgent Capital Services Can you please remove this potentially negative item off my credit report.
Product: Payday loan

I received a {$750.00} loan and was led to believe that {$260.00} was going to be paid each month but instead they are debiting {$260.00} bi-weekly which I never would have agreed to and am not able to do this. They were very deceptive. 

Also, they never mentioned that the APR was 787 % which is unreal. I feel that I was deceived and never would have agreed to this loan had I known all of the facts up front
Product: Credit card or prepaid card

This complaint concerns the XXXX XXXX XXXX credit card offered through Bank of America. The card essentially offers miles for purchases that can be redeemed on XXXX XXXX, as well as on hotels. 

On the two separate occasions I've tried to use the miles I've earned to book a hotel, I receive a " technical error. '' I've tried to seek a resolution with the company. I've done everything I've been directed to do, including clearing my cookies, trying a new search, using a different credit card to book, and making sure my bank is aware that I'm trying to use a card for an online booking. This company does not offer phone booking and has been unable to provide any kind of resolution other than to simply not use the benefit I have paid for. There is no option to ask for a cash refund of the miles I've earned.
Product: Mortgage

I was locked into a 3.875 % rate for my loan on a second home I am purchasing, with a close of escrow at XX/XX/2022. The lender updated me that my loan did not meet QM compliance and that because of XXXX XXXX Guidance, they have to change my rate to 4.625 %, and that I would have to pay points towards that rate. I am attaching a copy of the loan information and disclosure that I am seeing.
Product: Credit card or prepaid card

I had a regular Kohl 's card. I received a letter saying I was selected for a capital one kohls charge. I told them I didn't want it. I made a charge at kohls with my regular card in XXXX XXXX. I received the charge card from Capital one even though I didn't want. I did not even activate the card. I tried to pay my bill online, as I always do, I kept getting error. I called Kohls they said they had no account and referred me to a capital one number. I called capital one to find out what is going on. They referred me back to capital one. I told him I did not want the card. He said I would have to cancel the card I never activated and reapply with Kohls. I told him I still needed to make my payment. He then said he needed to read me a disclosure, then asked me to agree to it. I told him no I do not agree to a disclosure for a card that I never activated or wanted. The card has a label on it saying to call a number to activate. After a lot of frustration, he took my payment this was on XX/XX/XXXX. The guy then stated that the payment will be reflected the next day on XX/XX/XXXX. I told him I had been trying to make the payment all day. He said it was after his time. On XX/XX/XXXX I called again to payoff and close out the card. They again went through the same thing with the disclosure and a long frustration conversation, I asked for a manager. The manager said it didn't matter is I activated my card or not because I made a purchase in XXXX that activated the card even though I didn't call the number and activate it. She again kept refusing to close out my account or take the payoff until I would agree to the disclosure. I finally to her I agree to never opening another Kohls Capital card and close the XXXX card. ( I didn't swear, but she kept pushing me. ) She took the payment and said it was closed out. This Friday, I received another statement, this time from Kohls Capital one. It showed a late fee and a overpayment, so to say the least these sent me a bill for {$14.00}. and change. I called the number on the statement, and they said they have no record even after I called the number on their statement. They tell me I have to call Capital one. I really need help. I filed a complaint with XXXX. I also seen others that were having the same issue.
Product: Debt collection

XXXX XXXX XXXX automatically sent me to collections without sending me a bill. Billing company XXXX XXXX XXXX XXXX, MA said they sent me a bill on XXXX, but on XXXX I received a collection notice. I'm not disputing the bill because I know I owe it, but they never sent me a bill of service to even pay it to begin with. 

Called company and they " didn't know how that would have happened '' and also stated that they sent a bill to me on XXXX but it was " returned ''. Funny thing is I got the collection company notice in the mail no problem. Said they would review my file and get back to me. They returned a call and said the bill was taken out of collections and that I could pay it. I paid, but now wonder if I have a blemish on my credit report as a result or if this was just a scare tactic to get people to pay their bill sooner.?? 

I believe the company is automatically sending patients to collections without notifying them of bills. I believed this is engaging in a predatory billing practice and in violation of the FDCPA. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Collection Company : Balanced Healthcare Receivables XXXX  XXXX XXXX, NH XXXX I wouldn't be surprised if these companies are owned by the same person. 

Just bringing this to your attention. 
Best, XXXX
Product: Money transfer, virtual currency, or money service

I used cash app to send money, it was sent to the wrong person and the person completed the transaction immediately.Cash app only allows you to request the money back from the person, which I did. The person declined me twice and kept my money that was not hers. Cash app provides no recourse such as stopping the transfer or requesting the money back for me. They were really of no help. I attached our correspondence and the evidence I have in regards to the transaction. I did file a dispute at my bank, they were of no help, they said they have little experience retrieving money from cash app when there is a error or problem. That I need to contact cash app, that is why I'm filling a claim here. Cash app should be liable for getting my funds of 150.00 returned. or have an immediate dispute button on their app for these instances that would have stopped the person from taking money that did not belong to her.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance in resolving an issue regarding an incorrect name associated with my accounts. I have made multiple attempts to correct the error, including contacting the institutions involved, providing proper identification, and submitting formal name correction requests. Despite these efforts, the incorrect name continues to appear on my accounts, causing significant confusion and impacting my financial records.

I kindly request your intervention to ensure the proper correction of my name across all accounts and associated records. Please let me know if additional documentation is needed to support this request.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I noticed a collection account on my Transunion consumer report from XXXX services. I don't have nor have I ever had any accounts or any business with XXXX services. In addition the Certificate of Indebtedness the documentary evidence required to prove XXXX 's claim is a general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger on behalf of XXXX services. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

re : Previously claim # COMPLAINT ID XXXX Please advise JP Morgan Chase bank that, as of the end of the week, I will be filing a claim in small claims court in XXXX XXXX District Superior Court. for the maximum amount of {$10000.00}. Despite the fact my original claim to the XXXX was filed on XX/XX/19, Chase operated belligerently and without any pretense of good faith in allowing me to access documents and form a substantial argument against their spurious allegations, have refused to communicate with me in writing, or provide any verification of the alleged debt owed. Their time frame for a reasonable response has long since expired, and I am ready to adjudicate this matter in open court.

Sincerely, XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2021 filed claim for unauthorized atm transaction {$800.00} filed a claim with Bank of America edd card svc my card and account was closed and no refund of money yet was to 60 days it has been 5 months no credit but card was re activated. Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX. This company has violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. As I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022, stating that the XXXX XXXX XXXX give them permission to collect the alleged debt which is very inaccurate since XXXX XXXX has no legal right to collect as I never signed a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX has violated my rights.

15 U.S.C 1681 Sec. 602 A. States : I have the right to privacy. 

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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

Experian request for identity information. 
I'm attaching 605 letter, Driver 's license, utility bill, social security card, fcra rule 605,
Product: Debt collection

In XX/XX/2023, I took out a medical loan with Synchrony Bank\Care Credit . Although I had good intentions to pay this debt back, I experienced several hardships ( Loss of employment, relocation required with short notice, etc. ) and I was unable to pay the debt. However, now I am settled and I do wish for the opportunity to get on a payment plan with Synchrony Bank\Care Credit . My account # is XXXX and I am seeking payment plan arrangements. I have reached out to them but have not heard back regarding payment plan arrangements.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have a loan with USAA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My home insurance payment was supposed to be made by mortgage company, NewRez, from my escrow account. Payment was due on XX/XX/20. To date payment has not been received. The escrow department is impossible to get ahold of. When I finally did get a hold of someone they gave me the address they sent payment to. It was the wrong address. So now, they have sent my insurance payment to the wrong company and I have attempted to reach them multiple times to resolve this but I can not get a hold of anyone. My insurance payment is now 15 days overdue. Not sure how they sent my payment to the wrong company when I specifically sent them the bill with the correct address and payment amount on it!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear GreenSky, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with GreenSky XXXX, does not belong to me, and I have never authorized or engaged in any transactions with GreenSky. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account. 

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt is from XXXX almost 10 years old. I have attempted to settle with this company and they refuse to respond. Each time the debt is challenged and removed from my credit record, they place it back on there with a new date that is inaccurate. The debt now says XXXX, and that's not true, this debt is 9 years old.
Product: Debt collection

In response to many complaints that I have submitted against American First Finance. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I've sent American First Finance a cease and desist via the CFPB and certified mail.

It is ordered to American First Finance to cease communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

So why is American First Finance still communicating with me by furnishing an account to my consumer report?

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books.

I'm aware that collection activity is American First Finance furnishing this alleged debt to my credit report to coerce me into paying this debt. 

I have not received a 1099 for this and im aware that American First Finance is furnishing their adjusted gross income on my credit report because they wrote this debt off.

Im also aware that American First Finance is furnishing false and misleading information on my credit report because of their actions.

So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.