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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Conns, a rent to own company in XXXX XXXX Texas, has been trying to collect a debt by a XXXX XXXX. They have called my home phone for over two years. I 've explained to them on 3 different occasions there is no XXXX XXXX at this number and has never been one. They have the wrong number and continue to call asking for payment. I have placed over 100 call numbers on phone block, yet they continue to find new numbers that I must block again. I want these robo calls stopped. I will pursue legal action very soon for the harassment. I would like to know what my options are and how to punish this company. Here are the latest phone numbers from Conns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax put a fraud blocker on my credit. I did not request this service. I was attempting to apply for an apartment however they can not screen my credit due to this blocker Equifax put on my credit. I call and request Equifax to remove the credit blocker. They advise I needed to mail in a certified letter with my picture ID. They advise it will take 3-5 business to remove. I advise I was going be homeless in 3 days if I couldnt apply for this apartment. The supervisor XXXX agent # XXXX was rude and disrespectful and could not help me to a resolution. She ended up hanging up on me now Im submitting this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Ap

p ( 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 s
eek appropriate redress for these violations.
Product: Credit card

I have had the Citi XXXX XXXX XXXX Card for a few years. I have usually received the XXXX XXXX Certificate a few weeks after my account anniversary for spending {$10000.00} or more on this account. My anniversary was XXXX 2015. I still have n't received the certificate, despite the fact that I made the minimum spend this year ( the website confirms this ). When I called the customer service, I was given a big run-around. When I messaged them via secure message, I was also given a very vague response with a response to the effect that I just might hear something from them in 7-10 days. I find this to be breach of contract, more specifically, non-delivery of what we agreed to receive when I signed up for this credit card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Public Record XXXX  XXXX Bankruptcy Reference number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses accuracies is stopping me from getting a new home for my family.
Product: Mortgage

I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.
Product: Debt collection

I pulled my credit report and a negative account showed. I have never had an account with either XXXX XXXX or XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
I am a XXXX senior, XXXX XXXX XXXX, and haven't opened aa account in XXXX years. I have disputed this debt and they have made no attempt to contact me, just put negative information on my credit report. Please tell them to correct this problem immediately. Thanks
Product: Checking or savings account

Hi- on XX/XX/XXXX, I was attempting to sell my XXXX  on XXXX XXXX and was scammed with XXXX XXXX I immediately reported it to Citibank that evening where they said an investigation was to take place and I had to go to the bank to open a new account. At that time, no information about what had transpired were asked just that my account is blocked. I did not hear any updates from the investigation until a month out when I called to find out the status on XX/XX/XXXX. I found out that they denied my claims and so I appealed it because no questions regarding the events or emails were shared. They temporarily returned my funds and began the investigation again. No letters were sent, when I did receive an email and called Citibank to open the email as it required a password, they told me not to open the email. As of yesterday, XX/XX/XXXX, I was told I am not eligible of getting my funds back. As per the XXXX, I believe I am covered and have the emails to prove the scam which no one has asked me for during the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card from XXXX XXXX XXXX was mailed to my home. I never requested or opened an account from XXXX so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices witch violated 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 or other personal consumer reports

I have a problem on how XXXX XXXX XXXX XXXX has handle and how it has reported to the credit bureaus XXXX and XXXX, when we give XXXXXXXX XXXX XXXX back what we had purchase from them as a one week vacation per year. 

So first-able after paying 4 years of installment payments and maintenance fees, I came to the conclusion that the dream week vacation that was promise to us, it never came tru, we ware an able to book any vacation on another vacation villas, in another state, as it was promise. we could not choose a date, they always give us to choose the days that they want. 

So in XX/XX/2021 I stop sending payments, I wanted to give rid-off the timeshare, I call many times and ask if they would take the timeshare back and they told me that they were not able to do that, so I stop paying. 
So now that I'm checking my credit I saw two issues with the way XXXX XXXX XXXX XXXX has report it. 

1.- This purchase of a week vacation should not be report as a Mortgage, it should be report as Installment Debt. Timeshare is not a Mortgage. 

2.- The derragotorry payments shold have stop been reported on XX/XX/XXXX XXXX
Product: Checking or savings account

Nutshell : Bank of America doubled the fraud by allowing a XXXX company to claim it never received the returned, fraudulent laptop from me IN PERSON so my XXXX bank gave them money back, too, despite my protests and proof of the return. 

This was for a laptop purchased as new while living abroad in XXXX ; the company XXXX sold it as new, but it was actually refurbished, malware-laden, and did not have its XXXX XXXX license activated, which costs over {$800.00} through XXXX to put this fraud into perspective. 

The conman saleswoman even had the nerve to begin stalking me, calling me 6 times in a row one day begging me to explain to the bank not to reverse the entire purchase that would have included a 1 Tb hard disk drive. I assured her I only asked for the portion of the laptop to be returned in the initial claim, as I did not believe her XXXX   that I would receive a refund from her company in literally a month. I did not receive a refund for the junk, but my bank ultimately believed their new story that I never gave them the laptop and would not pay my claim, taking {$540.00} credited earlier OUT OF MY FEDERAL SOCIAL SECURITY DISABILITY PAYMENT I RELY ON TO SURVIVE IN XXXX. 

A supervisor lied to me that I would be sent a message allowing me to appeal the decision and submit additional proof through the bank 's interface. 

This never happened, so I have attached here the exact email sent by that conwoman confirming the return and partial refund on the day I gave her the laptop back in person, including its attachments of her business card, a copy of the original receipt with her checkmark, and an XXXX spreadsheet of upcoming bank credits that is the only proof of return and refund she would provide. 

Bank of America Claim information : Current status : Resolved - claim not paid Help for Resolved - claim not paid Claim ID : XXXX Claim amount : {$540.00} Initiation date : XX/XX/2018 This bank will become nothing more than my XXXX pass-through going forward for what it's done with this and a very clear dental claim of fraud of over {$2000.00} I had to take care of myself ( with the new practice owner months later ) because this bank dropped the ball on it, too. 

Bank of America are XXXX XXXX who believe themselves entitled to regularly lie during calls with clients. As a result, they have cost me over {$2500.00} in fraud supposedly covered in addition to making me cover the cost of all overseas calls with waits of over 30 minutes.
Product: Money transfer, virtual currency, or money service

I transferred {$50000.00} from my bank account to BINANCE.US over a month ago to then immediately use those funds to buy crypto currency. My account has been blocked from trading, depositing, and withdrawing for over a month. I was instructed to send a video and verification which I sent over a month ago and still have received no response. I have tried multiple emails and chat messages to get help. 

I received one email about a month ago and thereafter absolutely no communication. I've tried many different ways of communicating with the company but I've not been able to get in touch with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date XXXX : XX/XX/XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Freedom mortgage was to assist me with a partial claim during Covid. They dropped the ball I was taken out of forbearance XX/XX/XXXX. They were supposed to give me an offer within 30 days a partial claim offer. No one got back to me and I was calling every week they finally put some things through in XXXX and put me over my percentage for the partial claim. in XXXX I excepted it in person and loss mitigation name XXXX put in. I wanted a lower rate. He put a rejected the offer, which I did not so I had to go back and speak to a gentleman by the name of XXXX. At that time I found out they redid my loan, and my interest rate was even higher. I was paying originally XXXX then when they went and redid it it was XXXX and when I spoke to XXXX, it was XXXX a month. I excepted the XXXX even though it was much higher they sent me paperwork to fill out they had my divorce name on it as well as my current name. They sent the paperwork out to XX/XX/XXXX. I called and spoke to XXXX XX/XX/XXXX to explain the situation he told me to not sign the paperwork as there are XXXX different names. He escalated to his supervisor I called back on XX/XX/XXXX still no answer. I got a letter on my door stating I needed to sign the paper work notarize it and send it back. I then called freedom mortgage again and spoke to another gentleman who said this could take some time but if I could get the paperwork signed with the different names on it. I did try on XX/XX/XXXX I was able to find someone a XXXXXXXX XXXX would notarize it.I returned the overnight notarize documents on XX/XX/XXXX. In the mail today I received a letter dated XX/XX/XXXX that my case was closed and that I would have to seek additional assistance if I needed it this is absolute XXXX as I've been keeping in contact with them every week, and I was told not to sign it. They have XXXX me around left and right trying to make sure I could save my home which is now in foreclosure. I need assistance!! Please help!
Product: Debt collection

I paid the debt in full and actually paid {$25.00} over the amount and they have it written as a charge off and closed. I have called them several times, written letters to them requesting that it be changed and removed like they promised as well as disputed it multiple times. I have been dealing with this situation since they first got my file back in XXXX XXXX
Product: Payday loan

I subscribed to a website that directed me to some lenders and this lender, Myloansite.com, sent me an email stating they approved my payday loan request. I logged in and i was directed to sign electronically some contracts online. I made a mistake and did n't read the little details on the contract such as interest rate which is around 650 % and it 's a rip off. This company operates like a XXXX and I read online that they 're not even licensed. Now, the amount is around {$1700.00} since XX/XX/XXXX and I told them I will never pay this amount to them. They can send me to collections all they want. This is scam and rip off. Please make sure such companies will not abuse consumers like me and advise how I can make payment to this company at a reasonable account to disappear from my record completely. Such companies use vulnerability of consumers like me and abuse with huge interest rate. They 're XXXX of loan industry.
Product: Mortgage

A few weeks ago I requested my XXXX be cancelled. 

I was told by XXXX XXXX an appraisal is needed by my investor. 

I then requested to know who my investor was. 

To this date that information has never been provided. 

I then spent time finding out on my own who my investor is. 

I spoke to my investor about the requirement for an appraisal. The investor informed me it is not an appraisal they are asking for but a BPO. 

The investor further informed me that an exterior BPO is typically performed for PMI cancellations, I received an email from XXXX XXXX stating the investor says it can be an interior or Exterior. 

Very confusing and more road blocks. This conflicts with what the investor told me. 

I previously requested Bank of America about an overage in my escrow account, Bank of America informed me it was there policy to only look at escrows once a year and that would be next year. 

I filed a complaint saying thats illegal and only after filing the complaint did they return the overage. 

I have no confidence in the credibility of how XXXX XXXX is handling this request to cancel my PMI.
Product: Vehicle loan or lease

Kia Motor Finance claim I still owe {$680.00} when the car was totaled and my Gap Insurance covers the entire balance but theyre still reporting a balance when it supposed to be deleted off my credit report on XXXX XXXX and XXXX. I have recorded conversations and documents stating that this account was going to be deleted off my credit report once Gap covers the balance which they did. Now I will be filing a lawsuit in small claims court because my life has been messed up for 6 years from Kia Motor Finance for their injury to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple items on my credit report thats inaccurate I would like to be remove since 2007 until now