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

As a responsible consumer, I have always kept a close eye on my credit reports and scores. Recently, however, I was shocked to discover an account from Capital One on my credit report that I have no knowledge of and never opened. Despite repeated attempts to dispute this account with XXXX Bureau and the FTC WEBSITE, but still, it has remained on my credit report, causing significant damage to my credit score. I have taken all the necessary steps to prove my innocence, including attaching my ID/Driver 's license, partial credit report, and FTC Identity Theft Report, ( In my attached FTC report XXXX you can observe that I have mentioned filing a dispute several times with Capital One in my personal statement. ) and even a police report to support my claim. I am confident that with your help, we can correct this error and remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to AmeriHome in XXXX of XXXX  to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take 10 business days for them to process the request to determine IF I was eligible for assistance. Consequently AmeriHome reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take 10 business days to approve when clients need assistance right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 It was reported to XXXX  that my account with BS is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to BSI from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with BSI I have made the full payment every month.
Product: Debt collection

I was contacted about a debt with Portfolio Recovery Associates regarding an old credit card debt. I ended up paying the debt {$730.00} to get it removed from my credit. Even though they failed to send proof that it was mine.
Product: Credit card or prepaid card

On XXXX i purchased various merchandise from XXXX. The merchandise came damaged. I phoned calls and was told to discard the damage merchandise and that I would be refunded in full. Weeks went by and I received no refund from XXXX. On XX/XX/2021 I contacted XXXX via live chat. I spoke to XXXX XXXX She acknowledged the previous conversation. She apologized for not issuing the refund as promised. She promised to process the refund again in the amount of {$170.00}. She provided a refund confirmation number of XXXX. I never received the refund. Next I disputed the charge with Capital One. Capital One refused the process the dispute and re billed my account for this charge.
Product: Credit card or prepaid card

We are a small business and had a signed contract with a customer. All payments were made via the client 's credit card through XXXX. We delivered the product to the client, but it was slightly damaged during shipping. We hired a company that came to the client 's address and fixed the product at our own cost. The product ended up being upgraded and has increased its value. 

The client, however, made a chargeback of {$19000.00} on XX/XX/2021. XXXX  gave us only XXXX window to present our case and appeal the chargeback. As a matter of fact, the email XXXX sent us indicated that the money was ALREADY taken out of our bank account, without the XXXX window. 

We submitted all the paperwork to XXXX AND Wells Fargo proving that the chargeback was illegal. Stripe never followed up or requested any additional documents. The money was out of our bank account within a few hours. 

We called and email WellsFargo even prior to the chargeback, alerting them of the potential fraudulent chargeback, as the client threatened us. Wells Fargo told us to sit tight and wait for XXXX to handle this. 

We strongly believe that this was not handled properly and that we lost {$19000.00} due to the bank and the card processor 's negligence.
Product: Credit reporting or other personal consumer reports

My account is with XXXX by XXXX. My old balance and account shows as open on Equifax. I made a dispute and Equifax has reaffirmed the information. Although its inaccurate. XXXX XXXX has sold my account back in XXXX of 2023. Now both this account and the other account with the same account details show up on my credit report and it looks like I have more loans than I actually do, since its the same loan. Its negatively impacting my credit. I would like this removed from my credit report as they are no longer my creditor.
Product: Credit reporting or other personal consumer reports

Company continues to lie and not delete an account that does not belong to me. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. I have been disputing this account for several years. I have submitted supporting documents, such as XXXX reports XXXX reports and proof of fraudulent account. They continue to not remove the account nor show me any account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 07 XXXX XXXX, 08 XXXX XXXX  XXXX, 10 XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX   XXXX, 11 XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX XXXX/XXXX   XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX   XXXX/XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX   XXXX  XXXX/XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXXXXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( # XXXX ) has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Experian is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX  Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions. 
have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a certified mail was received on XX/XX/22 by XXXX XXXX XXXX XXXX requesting validation of debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to such medical record. In accordance with Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

Original creditor XXXX XXXXXXXX XXXX  send a bill of {$2500.00}. Because of their property manager 's wrongdoing and overlooking notice in advance by emails of lease nonrenewal. To top it off the property manager sent me leasing pricing cheaper than what she wanted me to Renew. I have many claims on this property manager.

The property manager was not able to get me for any damages because I'm certainly not filthy like the residents they allow to live at the filthy building where I paid for trash service. Then comes up with bogus charges of trash on the final invoice to steal my deposit. I'm sure this property manager does this many times. Too many people. She's a theft and I will be looking into further actions to get back my security deposit and legal damages.

Then I get a bill of {$760.00} from collections clearly the property manager is playing games and think is okay to mess with families money.
Product: Credit card or prepaid card

I attempted to use my Citi credit card and was declined. I stood in line attempting to contact customer service but could not get a real person. I tried to use the app. They informed me that they had multiple accounts under my name. Citi is not trying to protect my identity they see multiple accounts and are doing nothing. When you ask they to just close the accounts and refund the annual fee because the servicing is bad. they are refusing to close the card they just want to send me a new card. This is typical CITI refusing to close accounts. 

CITI is taking advantage of me, i still can not understand if my identity was stolen, and they are refusing to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX  account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 
15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On XX/XX/XXXX I submitted a Hardships Assistance package to Arvest Central Mortgage Company ( ACMC ) for consideration of a modification of a XXXX loan. 

I received a call on Thursday XX/XX/XXXX at XXXX from XXXX who advised me that my submission was denied. I was given a generic reason that based on the information that I submitted I was not eligible. I requested a more specific reason, but XXXX provided me the same response again and informed that there is no other reason. I asked to speak with the underwriter who made the decision and was placed on hold. Then the call subsequently disconnected. 

I called back that same day around XXXX and spoke to XXXX who advised that she would email the underwriter and her supervisor to call me. 

I received a call Friday XX/XX/XXXX at XXXX from XXXX, a team lead, who informed me that my information was submitted into a tool that issues a value of either 1 or 2. I received a 2 and that means denied. XXXX informed me that beyond that, there is no other information that can provide further detail to explain why I was denied. I asked to speak with the underwriter and, after being placed on hold several times, XXXX advised that the processor, who she explained is the same person as the underwriter, is unable to provide me any additional information about my denial. 

It's a disservice to customers to not provide a clear reason for denial. XXXX offers an appeal option, but without knowing the reason behind a denial a customer would not know what is appeal worthy. There should be more transparency to better service the customers. 

I asked XXXX for various values used in my review. She informed me of my income which used a weekly calculation based on the average of 2 paystubs. My hardship is due to fluctuating income. Using a weekly calculation substantially overinflated my income as it didn't account for low periods. I asked for the rationale behind the calculation and why a year to date calculation wasn't used, but XXXX could not provide an answer. 

I submitted an appeal on Monday XX/XX/XXXX to dispute the income calculation used by the processor/underwriter. I explained that a year to date calculation would account for the fluctuations in my income and provide a more accurate value of my monthly income. 

I'm submitting this because I believe that XXXX needs to provide a better service to their customers requesting hardship assistance. Also, their credit policy for income calculation should be scrutinized and reviewed as they may be using incorrect methods to calculate income with no rationale which could subsequently result in denying eligible borrowers of retention options. 

Additionally, I would like further detail on the reasoning behind my initial submission for assistance along with a rationale behind using a weekly calculation for my monthly income. 

If possible, please include XXXX XXXX ( XXXX ) as party in this CFPB submission. XXXX is the investor of my loan and I would like them to be aware of how their loans are being serviced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately PNC BANK XX/XX/ Balance : {$47000.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDNXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX  ( account number : XXXX ), XXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account XXXX : XXXX ), XXXX  XXXX  ( account number : XXXX ), XXXX  XXXX ( account number : XXXX ), and XXXX XXXX  ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get XXXX XXXX to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them inXX/XX/XXXX and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
Product: Student loan

In XX/XX/XXXX, my parent loan amount was assigned to the provider, Ed Financial Services, https : //edfinancial.com/welcome. The provider reported the balance of the loan, {$15000.00}, to the credit agencies in XX/XX/XXXX. Since then, I have made five payments ( see attached ) from XX/XX/XXXX to XX/XX/XXXX. During the process of making payments towards the loan, XXXX XXXX has never reported the updated balance to the credit agencies since XX/XX/XXXX. I made calls to them on at a minimum the following dates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was told their system was broken and they were not reporting to the credit agencies ; however, they would expedite my account and it would be reported on XX/XX/XXXX. As of today, XX/XX/XXXX, nothing has been reported. This is impacting my credit score. The loan is paid in full but is not reflected on my credit report. I want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Product: Credit card or prepaid card

No contact from Citibank in over a month. Can not reach them. On hold for hours. I need service with my credit card and possibly opening a savings account. They have completely eliminated customer service. Zero human contact. How are you going to reach me if I don't provide any personal information? Here 's my email address. 

XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over 35 days ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have two accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX would like the same. Verification of these signature on documents XXXX XXXX XXXX  15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2