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

My score was dropped 99 points after a balance decreased and notes were removed from my student loan account. When I called transunion to ask why they couldn't give me an answer. Transunion wanted me to buy their products to explain why my score dropped just kept reading from their sales pitch and refused to answer any questions.
Product: Money transfer, virtual currency, or money service

Good day, Today, XX/XX/2019, US based virtual currency exchange XXXX announced it was proceeding to an haircut of 16.202 % on the balance of the Bitcoin liquidity providers on its platform. This is due apparently to margins cascade failure that happened on XX/XX/2019 : https : XXXX I had XXXX bitcoins on the XXXX exchange for providing loans and now I only have XXXX bitcoins left after what XXXX seized to cover their losses. This represents a loss of {$12000.00} for me. 

The problem is I had 0 bitcoins on their platform the day of the margin event ( XX/XX/XXXX ) as I deposited my funds only on XX/XX/XXXX. So I suffer an haircut for a date when I even wasn't a liquidity provider. 

Thank you, XXXX XXXX.
Product: Debt collection

Capital One Auto Finance I have received unsolicited communication from Capital One Auto Finance making a demand for payment for an alleged debt. In accordance with XXXX XXXX XXXX, these are the actions of a 'debt collector. ' These actions show breach of trust and fraudulent misrepresentation ; are fraudulent and misleading ; they include the use of coercion, threats, and harassment to procure fraudulent unlawful and illegal payments for an 'alleged debt '. I made the initial extension of credit in full consideration and satisfaction by my signature/autograph transmitted to Capital One Auto Finance. These debt collection actions violated XXXX XXXX XXXX ; THIRTY-NINTH CONG. SESS. XXXX CH. XXXX, XXXX. XXXX, page XXXX, XX/XX/1867 CHAP. CLXXXVIL ; XXXX XXXX XXXX ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and Proverbs XXXX. Capital One Auto Finance can not deny that I am the creditor. They can not deny that I am the consumer. These debt collection actions have caused mental and financial distress, stress / hardship.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute concerning several inaccurate and unverified accounts on my credit file. Despite my prior request, these accounts continue to be reported, even though they remain unverified and unjustly associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not trying to help me clear this up I have furnish supporting documents please help
Product: Credit reporting

this dispute was put in to exsperian and the othe XXXX credit reporting agencies and they keep associating me with other people of the same name and reporting wrong information on my report XXXX XXXX XXXX in XXXX nj and a judgment against me that does not belong to me i have called and spoke with them .I have never lived at this address and the information that they are reporting doesnt belong to me and they wont remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692C ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.
Product: Debt collection

The Credit Management Company has billed me for a past medical expense. It was an unfair and surprise expense, but since it was only {$20.00}, I just paid it instantly. Months later, I'm still receiving phone calls and voicemails every single day from them. One of their many numbers are XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation, reinvestigation and further investigation. The account status is inaccurate. Please provide the source of your information and verification. Your company has continued to report these inaccuracies. This is My LAST and FINAL attempt before pursuing legal remedies against your company. I DEMAND YOU DELETE THESE ACCOUNT IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 

Account : XXXX XXXX XXXX Account # : XXXX
Product: Prepaid card

I had ordered a product from this website and have come to find out that there wasn't enough storage nor was it the what I needed. So I contacted customer service to see if the original order could be cancelled and they said no. Once I received it in the mail, I asked them for a shipping label and almost immediately customer service has given every excuse in the book not to send one. The product wasn't open, they asked for pictures they got them. They said they needed more for an unopened item so I sent them. Days go by without a response and I kept asking for the label. In the end I sent it back to them because it wasn't what I wanted. After sending that email with the confirmation so they can track it, they said they can't accept the return. There's no excuse as to why as the box was unopened and hadn't been touched. So they are trying to charge a restock fee so something they refused to send when asked. They never cooperated when I asked multiple times for the label. Then trying to twist the whole situation by saying buyers remorse. That not what it is, doing the research the model of the product just didn't have what I needed. They refused to take the fee off and have been a nightmare, they also refused to give me back my {$42.00} as they took it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller  XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I mailed my disputes to transunion on XX/XX/2023. I received a computer generated response back from Transunion on XX/XX/2023. I contacted transunion by chat support and they gave me a form to fill out with my social and identifying information. After over an hour of chatting the refused to accept my mailed dispute and demanded that I dispute over the phone or by online portal. I told them I did not want to dispute online because it waives their liability. They are refusing to investigate and it is violating my rights.
Product: Credit card or prepaid card

XXXX XXXX is practicing some sort of fraudulent practice against consumers On XXXX XXXX I purchased 21 bags of insulation, in doing so I was allowed to use their insulation machine for free. Midday, we realized we needed additional bags and went and purchased 5 additional bags. However, the contractor did not utilize any of them. The following day XX/XX/XXXX, I returned 5 bags of insulation. The cashier relayed the charge would be placed back on my card and a receipt was provided. That afternoon, I called home depot credit services to obtain my balance and to ensure that the credit was at least pending. I was told by a male party that they see the return but could take 3-5 days to see on my account. ( PLEASE NOTE : I record all my calls with any businesses ). I continue to wait setting up payments through my banker. After a few times since XX/XX/XXXX, of attempting to obtain my statements through my bank, I was repeatedly told that it could not be processed because it is set up with another account. PLEASE NOTE : that account is closed. I call again on XX/XX/XXXX and speak with a female party and ask her why is my balance not reflecting the refund of return insulation on XXXX. Initially, she tells me she sees the return but only for 4 bags being returned, then further into the conversation she changes her story stating she does not see the refund, but she will call the store to see what occurred. On XX/XX/XXXX, no f/u from Home Depot so I log into my account and my balance still does not reflect the refund, so I write on their website detailing my frustration with the inconsistency of things Im told and still not seeing a refund. I am sent an automatic respond from customer service detailing how to dispute a charge and to set up auto pay and that they believe they resolved my concern. So a series of emails ensues relaying to them why do I have to put in a dispute if I spoke to a representative on XX/XX/XXXX and told them there was a discrepancy, was it not entered then? They came back telling me to follow up with the merchant to resolve the matter. At this point I was mad and requested them to cancel my card, and called the XXXX XXXX XXXX. You can never get who you need on the phone of course, so I left a VM on the party I was transferred to regarding credit that was never issued. So my question is why was I told on XXXX they saw the refund and wait 3-5 days to see it be applied to my account? Why on XX/XX/XXXX I m told they see the refund, then in the same conversation told later the refund is not seen. How is it seen by two parties and then not seen or applied. As I explained to the rep on XX/XX/XXXX I dont need to use a credit card because everything I want I have the money in the account to purchase, however I get bombarded almost daily with mailings from them asking such and such promotion for using your card so I did and I regret that I did
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.
Product: Credit reporting or other personal consumer reports

Issue : Inaccurate Reporting, Failure to Investigate Disputes, Violation of Tax and Consumer Protection Laws Complaint : I am filing this complaint to address several issues with Experian, regarding inaccuracies on my credit report and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other laws. XXXX. Inaccurate Reporting by XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Under 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), consumer reports should not include information solely about transactions or experiences, such as payment history or charge-off status, between the consumer ( myself ) and the entities XXXX XXXX XXXX XXXX XXXX XXXXY providing the report. Under the Privacy Act of XXXX ( XXXX XXXX Code XXXX ), I am exercising my right to revoke any and all authorization, whether written, verbal, or otherwise, that I may have previously given to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Additionally, under 15 USC 6802, I am opting out of any further authorization for your institution to disclose my information. As outlined in 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), once a consumer notifies an entity of inaccuracies in the information being reported, they are prohibited from continuing to furnish such information to any consumer reporting agency. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX are in clear violation of this provision and are required to rectify this situation immediately. Desired Resolution : 1. Immediate Correction : Update my credit report to : Remove this account or update it to reflect paid as full no late payments indicating the debt was charged off and is no longer active. 2. Investigation : Conduct a full investigation into XXXX XXXXXXXX XXXX XXXX XXXX XXXX furnishing practices and Experian handling of disputes. 3. Consumer Redress : Ensure compliance with FCRA requirements for handling disputes, including timely responses, investigation of disputes, and accurate reinsertion procedures. 4. Transparency : Provide me with all records and documentation related to the reporting of this account and Experian investigation process. Requires accurate reporting, proper investigation of disputes, and specific procedures for reinsertion of previously disputed information. Breach Notification Laws : Experian failure to secure consumer data and notify me adequately constitutes a violation. IRS Tax Laws : Reporting charged-off debts as active income violates tax regulation. The statute of limitations is XXXX years in the state of XXXX, this debit accorded in the year of XXXX, Therefore the XXXX XXXX account reporting on my account should not be reporting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

There is a judgment showing on my report. I am attaching the paperwork from the clerk of the courts office showing this is satisfied and needs to be deleted. Clerks office said they do not report to the credit bureaus and suggested I go through this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

my mortgage was taken over by phh mortgage from ocwen. i had gotten behind on my mortgage payments. i was sent a modification in XXXX of XXXX since XXXX i have not been able to speak to anyone concerning the modification. i was only told by one representative that i needed to reapply but i can not get into my account to apply because my account is locked. my case manager has not answered calls and her mailbox is now full. when i call and enter my ss # or loan # my called is sent to the relationship manager phone automatically. if i dont put in my information and get customer service, they can not help me and sends my call back to the same person. so for approx 3 months i have not been able to get any assistance. i have been calling every week.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reporting on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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. I see appropriate redress for these violations.
Product: Mortgage

I had hardship of lost job of cov19 in XXXX, My mortgage with XXXX XXXX XXXX sold my mortgage to Carrington. 

All FORBEARANCE DUES ALREADY PAID IN FULL ON LAST XX/XX/XXXX BUT CARRINGTON WANT TO PUT ESCROW ON MY MORTGAGE OF 16YRS THAT I NEVER HAD ESCROW. 
( THAT WOULD INCREASE MY MONTHLY PAYMENT TO $ XXXX $ XXXX MO ). 

Carrington intending FORECLOSURE & CHARGE LATE FEE my property. 

I received twice NOTICE OF INTENT FORECLOSURE, LAST ONE IS XXXX XXXX, XXXX SINCE XX/XX/XXXX TO -TODAY I HAVE BEEN ASKING TO REMOVED ESCROW CHARGES BUT THEY DENIED. 

MY PROPERTY MORTGAGE ALREADY PAID ABOUT 80 %. 
I never missed any payment of HOME INSURANCE, HOA , COUNTY TAXES IN THESE 16 YRS. 

I AM IN MY XXXX, very hard to find job to get some extra money to pay my mortgage. 

My source income from XXXX ONLY ABOUT $ XXXX month. 
With that amount I received barely can make more payment. 

Please help me to get out of Carrington THREAT. 
THANK YOU FOR ANY ASSISTANCES. 

BEST REGARDS,
Product: Credit reporting or other personal consumer reports

I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation, however, those items were still verified as accurate. I am questioning your investigation and if you even conducted a reasonable one.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!