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

This is my 6th 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was under the impression that if I made 3 years of consecutive payments to Ameritech, my student loan would then be forgiven. Ameritech never paid on my student loan, instead put it in deferment. Ameritech kept my money. I was paying XXXX a month for 24 months before I found out what was going on. {$9100.00} was just thrown away. It is not fair. I can get bank statements of where I paid them each month.
Product: Debt collection

XXXX XXXX was suppose to come out and connect services to a resident owned by me. As a result XXXX provided me with some material needed for services. A XXXX XXXX installer came out to the resident XX/XX/year>. XX/XX/year> I WAS unAbLE TO get XXXX XXXX XXXX is what was told to me by the installer. I returned the materials to XXXX communications located at XXXX XXXX XXXX XXXX XXXX Louisiana XXXX did not sign any contract with XXXX XXXX  XXXX and certainly should have not got a bill because I NEVER HAD XXXX XXXX SERVICES and brought the material back to XXXX XXXX  XXXX XXXX orginal form at the location provided. XXXX XXXX now say I owe them {$140.00} in which I do not. I DO NOT OWE FOR SERVICES I XXXX EVER HAD AND MATERIALS I FULLY RETURNED to XXXX XXXX. Credence services attempted to submit me information to provide a fraud alert through XXXX XXXX have also reported XXXX to CFPB in which CFPB did not get a response from XXXX. I do not owe XXXX XXXX NOR 3rd party collector CREDENCE SERVICES for services I NEVER received, A CONTRACT THAT NEITHER XXXX  NOR CREDENCE CAN PROVIDED because I never got any services or agreed to sign any documents and material that I turned in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX Auto is reporting that I paid as agreed from XXXX  XX/XX/2019 but, in XXXX it reports I was XXXX days late and in XXXX and XX/XX/2019 the vehicle was XXXX. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to XXXX and Experian to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent XXXX and Experian a receipt showing payment made and agreement of the settlement. XXXX sent me a letter back stating verified as accurate and updated Experian the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.
Product: Credit reporting or other personal consumer reports

These accounts XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. 
The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment omXX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : {$3500.00} XXXX XXXXXXXX Balanced : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balanced : {$670.00XXXX XXXX XXXXXX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 -- - : I have several times disputed with Transunion in reference to the US Dept of EducationXXXX XXXX student loan reporting now incorrectly as Open with a $ XXXX balance. I received a letter from XXXX stating effective XX/XX/23 ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. ( I have attached copy of XXXX letter stating ALL of my student loans have been forgiven effective XX/XX/23 )
Product: Credit reporting or other personal consumer reports

Between students loans and other on my credit report it is almost {$6500.00}
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time I noticed unexpected errors. I even tried refreshing my browser to see if it was a temporary issue, but the incorrect accounts remained. Because of this, I request a thorough review of the documents I provided to ensure that I wont have to deal with this problem again.
Product: Student loan

As a note - I didn't realize there was anything I could do about the issue I had with Mohela until recently. I figured they were just big bank getting away with all sorts of things - until I heard some news stories saying these loan servicers were involved in giant lawsuits. 

Originally, I had a government college loan ( unsubsidized ). As part of the agreement, if I made a certain number of on-time payments, my interest rate would be reduced. 

At one point, Mohela took over as the loan collector ( I don't have the exact dates of this, as the information is no longer available in my Mohela account because I paid off my student loan - several years early ). Mohela informed me that one of my  payments wasn't on time, so I wasn't eligible for the reduced interest rate. When I called to inquire how this was possible as I had setup automatic payments - they told me that one payment wasn't on time - and came from a bank account that wasn't my own. When I asked how that is possible - they said they weren't at liberty to tell me. And they couldn't tell me who the other payer was. Up to that point in my life - I had one bank account. So this was impossible.

My guess was that when Mohela took over, the payment for that transition month was routed through the previous lender. The person who took my call clearly didn't care - and enjoyed the interaction from what I recall. They offered no assistance and refused to help in any way. When I asked to speak to the agent 's supervisor - she refused.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly XXXX! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Mortgage

In the beginning of XX/XX/2018 I contacted XXXX XXXX via an internet advertisement. A loan officer, XXXX XXXX, from AmeriServe contacted me as a result. I disclosed all of my financial info verbally and again via their electronic transfer questionnaire. Due to my credit score being over 800, and my loan to value ratio quite low, they issued a " Loan Terms Agreement '' statement showing " Points '' at {$930.00}. But when the actual application was to be submitted that required my electronic signature, the points changed from {$940.00} to {$1300.00} which is about {$420.00} higher than was quoted. 

In my opinion this is a " bait and switch '' tactic. I verified with another lender that there was no change would have occurred during this time period for any client with my qualifications with any lender. 

They also charged me {$550.00} for the home appraisal, which was never completed. I called the appraiser and he informed me that he had received the initial order but when he called them to verify the transaction, they never answered their phone and would not return his calls. 

I called the lending agent I had been dealing with and told her to cancel the transaction as I did not approve of their business practices and questioned their integrity. Also requested the return of my {$550.00} deposit. As of this date it has not been received. 

Her reaction to this call really surprised me. She replied " Oh, Ok and said goodbye and hung up. '' Really an odd reaction after all of the time and effort we both expended. 

I obtained my loan from another reputable company and everything went as expected. 
This company also required info on my wife as she would also be required to sign documents as an additional party to the loan. AmeriServe agent claimed that was not needed. Very strange.
Product: Debt collection

My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report from all 3 credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate.

15 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions.

I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.
Product: Credit card

Charged me late fees, paper statement fees, and interest without my knowledge. I set an amount needed to pay off the loan monthly and never missed until they imposed a paper statement charge on me and changed the amount due leading to late fees, paper statement charges and interest. They reversed the late fees and paper billing fees but not the interest fees associated with the wrong doing. Now they refuse to remove interest. It really isnt much, but is concerning that theyre taking advantage of consumers.
Product: Debt collection

XXXXXXXX XXXX is closed and it is a debt that I had in 2015 in which according to the credit rules and regulations, any credit debt after 7 years should be removed. Furthermore, this debt was included in my bankruptcy. I have reached out to equifax more than once to have this item removed and nothing has been done.
Product: Checking or savings account

Hello. I am the vicitim of online debit card fraud. On XXXX-2022, I noticed XXXX unrecognized charges on my checking account from " XXXX '' ( {$0.00} ), " XXXX XXXX XXXX '' ( {$200.00} ), and " XXXX XXXX XXXX XXXX XXXX CA '' ( {$230.00} ). I immediately reported the fraudulent charges to Chase Bank. Chase closed my debit card and sent me a new one. The XXXX charge disappeared, and I was refunded for the XXXX charge. However, my claim for the XXXX charge was rejected by Chase on XXXX-2022. I contacted Chase to dispute the rejection of the XXXX claim, and I was told that I need proof that I did not make the purchase. I was also told that the claim was rejected because the billing address used for the purchase matched the address Chase has on file for me. I did not make any of those purchases, and I have never conducted business with those companies. I reported the crime of the fraudulent bank debits to the Federal Trade Commission ( FTC ) on XXXX-2022. My FTC Report Number : XXXX.
Product: Vehicle loan or lease

I had an auto loan with Bank of America that was on automatic payments. I moved and started using different bank accounts more and did not realize that my automatic payments were not going through. 

I had a current email on file with BoA and had opted in for email notification, E-statements and online banking. I had been regularly receiving notifications from BoA by email, including notifications that my payments were scheduled and to update my mailing address. I received XXXX email on XX/XX/year> that I had missed a payment so I tried to log into online banking only to find out I could no longer access my online banking account. When I called BoA I was told my loan had been put into default and my car could be repo-ed! I am upset because I did not receive any notification by email or any notice from BoA before my loan was put into default. If BoA had notified me of the pending default, I would have made sure to pay and correct it. 

(!! ) BoA should not be allowed to default loans without notifying customers!! 

When I questioned BoA about how this had happened they said that despite having updated contact methods like email, they were not allowed to reach out to me to let me know my loan was about to go into default. I find this ridiculous since email is my preferred method of correspondence throughout my time with BoA. I had received multiple communications by email from BoA before, including the approval of my initial loan application and notifications my payments were scheduled. There was absolutely no notification that my loan was about to go into default. I think the bank needs to notify customers of pending action and allow some time to address the problem before defaulting the loan.
Product: Credit card or prepaid card

I was re-billed by American Express for a charge for ticket concerts that was postponed due to COVID19. I never received the tickets for the transaction and I redisputed the charge with American Express since I never received what I paid for. They mentioned on a recorded line that the charge would be removed from my account ( the same as last time ) and it would reflect a {$0.00}. They mentioned it would take 48 hours. I asked were they sure because I am in the process of buying a house and as a first time minority homebuyer, I don't want this to impact my ability to secure a home with a rate that is favorable to me based on the fact that I have paid off all of my credit card debt and its reported to the credit bureaus that way. After 48 hours, it still showed up and I called in again on a recorded line. The rep mentioned this time that because it was re-disputed, it would show up but because the dispute was pending, it would report to the bureau that I still owe {$0.00}. I woke up and saw that they reported that I owe almost {$400.00} which was reported to the credit bureau. I can't pay it now because I'm not able to spend anything until closing, but my rate will higher because of this when I've explained my concerns and was flat out lied to by given misinformation on a recorded line twice.
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 violates customer 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 presses 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 or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 the violation
Product: Debt collection

I am FRUSTRATEDLY DEVASTATED by your recent response declining my request to block a fraudulent account on my credit report. Your computer-generated letter lacks transparency and declines without determining material facts. 
XXXX - XXXX XXXX XXXX This aggressive violation of my rights raises questions about the authority to decline without just cause. I demand an immediate reconsideration of my request with a comprehensive explanation for the denial.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year> an inquiry was made by Ally Bank to my credit witch i did not authorize
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late accounts on my credit report, which violates compliance with the law. Despite numerous attempts to rectify the situation, the late accounts remain inaccurately reported. This not only undermines my creditworthiness but also violates consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted multiple times by XXXX XXXX about an auto loan that is past the statute of limitations in tn. The last payment on the acct was in 2009, and according to tn state law for debt, the sol is 6 years. This acct has gone through multiple collection agencies that have attempted to collect on this after the 6 yrs has passed. It has now been 11 years since last payment was made. I tried to advise company of this, and they threatened to have my very small monthly payment from the VA garnished to pay this, leaving me with less than enough $ to pay my Bills to keep my children and myself from being homeless. The agent stated they dont care about myself or my XXXX XXXX XXXX, they just care about their client getting my money. 
They also have never contacted by letter to advise of this debt, the amt owed, or confirmed the last payment made. Only reason made threats against me