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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

During XXXX I was out of work due to XXXX XXXX. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My progressive also turn me over to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX : XXXX XXXX and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at XXXX in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at XXXX was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank manager stated that XXXX XXXX tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by XXXX XXXX for the amount of {$1700.00}. I called XXXX XXXX  and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to XXXX XXXX was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, XXXX XXXX made an error and everything is all set. 
It has been almost 4 years, and XXXX Bank is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with Experian which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card. 
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of XXXX XXXX   showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this. 
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I own timeshare at XXXX. I contacted them and asked to turn my timeshare in and I was told that I can start the process in XXXX. When I tried to do this in XXXX they said that I had to pay my next year 's maintenance dues first. I said they never told me that before XXXX that is the requirement. I am not going to give them a payment for not using my timeshare. I told them I would not pay and they said they will put me into collections and charge me interest and penalties that were more than my {$1500.00} yearly maintenance. They also said that they would put it on my credit report and then get a judgement against me, seize my bank accounts and garnish my wages. These timeshare companies use tactics that are very scary and this needs to be addressed. If these timeshares are so valuable why don't they take them back and resell them?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous inquires and accounts are listed on my report that i have no knowledge of. This was a result of malpractice or identity theft.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I purchased 2 devices from XXXX  on my Chime Credit Builder Card on XX/XX/2021 on financing with a deposit that totaled XXXX and I also paid my bill 2 months in advance totaling {$600.00}. I had just paid my bill a few days before this and it was {$200.00}. So I guessed my bill after adding home internet from XXXX as well would be about {$300.00} a month. I had just got my unemployment after waiting for months so I didnt want to take any chances of my bills being phone being cut off being that after Covid my source of income was left to rideshare and delivery service. However. XXXX XXXX XXXX ( my home internet company ) offered the same devices at a much lower rate so I returned the devices after getting approval from XXXXXXXX on the phone, they sent me return labels and guaranteed my refund of all money paid since my service would be canceled. However after weeks of waiting and getting no money back I called my bank and disputed the charges. I was told an investigation would begin and to send any proof I had. I sent everything. At some point, XXXX reached out to me saying they had been trying to return the money but the card I purchased with was canceled. Banks decision. So I called my bank with XXXX on the phone and after hours of getting nowhere I gave up. I was told I had to wait for the investigation. 90 days passed and the denied my dispute. I called ranting and spoke to a supervisor. He or someone then approved my XXXX transaction which was on my debit card not on my credit like the other transactions and stated that the reason they denied the rest and not the one was because the dispute was filed incorrectly. Saying it was filed as unauthorized and not as a canceled services like the {$200.00} transaction. So we submitted it again and said it would be escaleated and I should here a response back soon. I did not. I waited the entire 45 days and was denied again. I am now in arbitration with XXXX and have no clue what to due. Im unemployed now and my license is screwed and all the money I need to fix things is being upheld by my bank. I even sent them more proof from the arbitration and from XXXX legal saying that My bank has charged back all the payments yet my bank has not given the money back to me. And I even have messaged and phone them about other discrepancies. What can I do? When I have no bank to walk into? I want to close all my accounts with them but then wouldnt I lose all my money. Please help!
Product: Debt collection

I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.
Product: Credit reporting or other personal consumer reports

I have a previous complaint with XXXX XXXX  because when I got my Credit Utilization to 30 % on my XXXX card I received a letter from them stating they were lowering my Credit Limit. It dropped my Credit Score almost XXXX points because it then showed my utilization 98 %. The response from XXXX in my complaint is they randomly pull credit scores and adjust limits when they pull credit. 

XXXX XXXX I received a letter from XXXX XXXX  for XXXX XXXX XXXX  XXXX XXXX XXXX. I recently paid it down to 30 %. My balance on the card was {$620.00} and my limit was {$1700.00}. My letter on XX/XX/XXXX stated they were lowering my limit to {$650.00}, which again puts my credit utilization back up to 98 %, my score dropped XXXX points. The letter stated the same exact thing, a review of my credit caused my limit to be lowered. Well, I monitor my credit. On the day I got my card in XX/XX/year>, my credit score was LOWER than it was on XX/XX/year> AND my XXXX  was HIGHER. I have it all printed out. I also have the approval sent to me when I received my card. So how do they explain it NOW? 

I also PAID OFF THE CARD and have requested them to report to my credit the XXXX balance and the have refused. I disputed it on my credit reports with verification that it has a XXXX balance and I received my dispute back saying the information is correct and will stay on my credit. 

This is unfair credit practice and I am currently seeking out a fair credit attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I said in my dispute : I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by Medicaid as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in XXXX. It is their employees fault and I am not responsible for this debt! I had no income due to XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in collections, the only collection I have. Collection Agency : XXXXXXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}. 

Company responded on XX/XX/XXXX : Company 's Response Thanks for sharing this information. We are closing your account and returning it to our client so it can be properly handled there. We are also deleting the account from the credit reporting agencies. 

I have been fighting to have this removed for over a year now. At this point, the debt should have been removed per the collection companys information theyre providing me but I have disputed this debt with Equifax multiple times & they keep coming back saying the debt has been verified by the collection agency as accurate! The collection agency doesnt even have the debt anymore & they have requested for Equifax to remove it multiple times & they wont. The debt is from XXXX & has surpassed the statute of limitations for Virginia at this point. I want it removed from my Equifax credit report.
Product: Checking or savings account

XX/XX/XXXX in the evening I began receiving emails that an account was being applied for through Bank of America. 

This was followed by a confirmation of a new account and several emails about changes in contact information. 

I noticed this around XXXX as I was going to bed. When I googled the phone number from the emails, I found a lot of reports of it being a scam and a couple of reports of it being legitimate. 

First thing in the morning on XX/XX/XXXX, I called Bank of America through a number I had searched myself and discovered that someone had opened an account in my name the previous night and that the account couldn't be immediately closed because the individual also made a XXXX transaction. 

Bank of America notified me that if there is activity on an account then they have to investigate before they can close it and it could take up to 90 days to get a decision on whether it was opened without my knowledge ( which it was ). 

On the XXXX of this month, someone charged {$450.00} to my XXXX Bank XXXX XXXX card. I reported the fraud and it is being investigated. I didn't report this because I thought someone had just found my login credentials. However, now I am worried that these are related. 

The merchandise ordered fraudulently through XXXX XXXX  was shipped under my husband 's name to the following address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XXXX though XXXX. Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the futrure Sterus would have to send the debtor notice of intent and Seterus has never done so. Setrus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have requested on the loan since XXXX. When the loan was sold or transferred to the new investor XXXX  and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX closed the account for a balance of {$320.00} cents. Its showing on my credit report that LvNv funding has my account open XX/XX/year> with a balance of {$680.00} and reporting every month. I have the contract of the XXXX XXXX  account and lvnv funding is reporting false information on my account they are reporting it to all 3 credit bureaus.
Product: Checking or savings account

been trying to get Bofa to stop discrimination against me as I am XXXX and a senior. The credit card division has NONE NOTHING to correct the problem and lied to the cf.gov when they said they are working on it. they contacted me on XX/XX/23. I asked some simple questions and they have NOT replied or contacted me in over 15 days!!! this has impacted my credit report and I am unable to get another credit card because of them! 
I was rejected for too high credit limit since they will not reduce my credit line and too manys cards as well since I had to close the last one that they refused to lower my limit. 
You need to advise on where to file my discrimination report with the us government.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

Do to the fair credit report these accounts with department of educationXXXX XXXX should have been removed after 7yesrs
Product: Mortgage

Our mortgage company, XXXX XXXX XXXX, transferred our loan to PHH Mortgage company. We have been recently denied a modification and as a result are facing foreclosure. The problem is PHH mortgage is not able to give us an accurate amount owed so we can resolve our arrears! 
We received a statement stating the arrears are XXXX. Then I spoke to XXXX today from PHH ( XX/XX/19 ) stating the arrears are XXXX. My husband spoke to someone yesterday who stated the arrears are XXXX! 
We have made payments we have receipts for that have not been applied to the delinquency, because according to XXXX, the loan was transferred and payments have not been updated! The loan was transferred almost a year ago! 
We have asked the company 's OMBUDSMAN to intervene several months ago and do a payment search and he has not given us information either. 
We are requesting your help. We are facing foreclosure and would like to know the amount we owe so we can try and resolve this. Thank you.
Product: Debt collection

Midland Funding LLC This garnishment was taken from my check XX/XX/XXXX until XX/XX/XXXX. I was never properly informed or served of the court and of course Midland Funding received their default judgement. They actually filed twice once in XX/XX/XXXX and they other inXX/XX/XXXXnever once received a notice of hearing or documents of trying to serve me court documents. I was taken completely by surprise of this garnishment, also they served an expired writ to my employer and my employer still honored it. I requested the satisfaction of judgement and they are refusing to give it to me now saying that I owe additional monies. As I have attached the writ for garnishment has been satisfied as of XX/XX/XXXX and I just received a letter from treasury stating that they are keeping my taxes  because this garnishment has not been satisfied. I have called and requested in writing and they are still refusing. This was a fraudulent account opened in my name under my social and yet I still paid the garnishment, and now they are trying to siphon more from me. I have tried contacting the XXXX district court and they said the account has been disposed.