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

My account with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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. XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX 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! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I receive a letter from XXXX with my incorrect address XXXX XXXX  XXXX XXXX, Ca,XX/XX/XXXX in which PO Box is closed and XXXX has my new mailing address on their data. 

XXXX is sharing my private information to XXXX in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is XXXX sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XX/XX/XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in which XXXX has deleted the derogatory remarks on XX/XX/XXXX. 
XXXX  and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XX/XX/XXXX and US Military Veteran and my XXXX  XXXX. 
XXXX, XXXX, Experian and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX and a US XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and experian has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX XXXX or experian my permission to report said account.nor was i notified that this account would be posted to my credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ).

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.
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 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

All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by XXXX, XXXX and Experian .... causing me a lot of problems in opening an online savings account
Product: Debt collection

I have tried to get Santander to verify this dept several times and I get no response. This dept is a vehicle that my deceased brother that worked at the car dealership signed my signature and my girlfriend at the time signature. Me nor my ex signed for this loan. This is badly hurting my credit as I am trying to get things in the positive.
Product: Debt collection

I have multiple collections from this company that are listed on credit report yet i didnt see any notice that it would be listed on my report. Looks to be all medical and I have no way to look at their website since I dont have any agent file number. And I never sent up any type of payment plans with this company but there are past due balances listed on my credit report. A collection cant be listed with past due balances if the account wasn't with the company in the first place. Per HIPAA laws my medical records shouldn't have been sent to a 3rd party collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my  XXXX  And Experian credit report in   XXXX   XXXX   and noticed   XXXX   XXXX  k and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with  XXXX  stating this is not my account and with Experian 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called   XXXX    credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with Experian as well that this is not my account. This last dispute on   XXXX   XXXX  , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (   XXXX   or Experian  ) w ill not provide proof and I have did all I can do.     I also advised Experian the following Inquiries are fraudulent /not authorized by me :  XXXX -  XX/XX/XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX   XXXX  -  XX/XX/XXXX  &  XX/XX/XXXX   XXXX    XXXX   I advised  XXXX  the following iquiries are  fraudulent/not autho rized by me :   XXXX   XXXX   XXXX   XXXX   via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  I need this to be corrected and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to XXXX and Transunion that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXX - XX/XX/year>
Product: Mortgage

I have had the same mortgage since XXXX or XXXX that waives escrow. I pay my taxes and insurance on my own in full when the amounts come due. PNC bought my mortgage from my previous servicer ( who had no issues ). I noticed that PNC drew {$2200.00} out of my account on XX/XX/XXXX which is double my P & I so I called to ask them what the deal was. They then told me I had an ESCROW shortage ... which I told them was impossible since I have no escrow. I asked them what insurance company they are paying and they stated an insurance company I have never heard of. Obviously they had placed me in forced insurance for NO REASON. 

The lady on the phone then said they had sent me letters asking for updated information sine they " didn't '' have my insurance company information on file. Which ended up being a lie since she stated she saw XXXX XXXX as the mortgagee in their system which is who I have insurance from ... .meaning they had all they needed to get this resolved. First, I never received a letter from PNC saying they needed anything on my insurance company, only mortgage statements monthly. Secondly, they NEVER called me or emailed me asking for anything. Thirdly, they had the correct insurance information from day 1 and NEVER called XXXX XXXX with any issues on my mortgage. INSTEAD, they decided to place me in forced place insurance and STEAL around {$7000.00} from my account. Since I have everything on autopay I did not notice this until the insurance grew to {$1000.00} A MONTH due to THEIR mishaps and lack of due diligence. I asked PNC how much exactly they have STOLEN from me over these last 2 years and the lady on the phone somehow could not give me an exact number... ..This should be 100 % illegal. I want my money back NOW ... ..They had every piece of information to call multiple parties to get whatever they needed but were too LAZY. 

Now I am being told that they are " requesting a partial refund ''. WHAT?? Absolutely not. I want every penny back since this is SQUARLY on PNC... .FULL REFUND or lawsuit. They also have submitted a " Escrow deletion '' that they state will take about a month to complete ... ..Which is absolutely hilarious considering how easily they were able to setup an escrow without my knowledge. They also said the request is going to take over a month which is equally hilarious by how quickly they just STOLE the money out of my account. 

CFPB, I need assistance here. I want my FULL REFUND and I want it now. If they deduct another {$1000.00} a month from now for THEIR insurance company I am going to the state secretary to get involved and my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They all told me that they got information from Credible. I have never applied for credit from any business. I want to know where Credible got my information and who all they sent my information too. I want them to notify all the organizations that they sent my information to and notify them to remove information.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX, have 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.

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

I sent this to Equifax without response, after pointing out a potential breach : Why do your Equifax Customer Service agents request identity verification from consumers ( drivers license, social security card ) be sent by mail without a warning that the use of USPS in the transmission of such sensitive information could easily lead to mail theft and identity theft? 
I would like a reply, and I will continue to make this inquiry through the different contact points within the Equifax corporate structure until I get a reasonable response. Thank you.
Product: Credit reporting or other personal consumer reports

KIKOFF LENDING LLC Charge Card with account XXXX XXXX  opened on XX/XX/year> and a balance of {$74.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 15 USC 1681 1681 I 1A,15 USC 1666B,15 USC 6801 ( 6802 ), 15 USC 1681 ( 602 ), 15 USC ( 604 ) ( A ) ( 2 )
Product: Credit card

I went over my credit limit and once that was done, they close my account, but Im still paying the bill each month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX   stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following inquires from my credit report : XXXX XXXX XXXX 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/year>
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 Fraud 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 card or prepaid card

I was trying to make a purchase on my credit card number ending XXXX and it was declined by the bank and I called them and they told me that they will send me a one time passcode to my phone number ( XXXX XXXX wasn't verified and told me I have to wait and didn't give me a time frame and I was unable to use my credit card and the fraud rep was laughing at me and didn't ask for any documents from me or anything I like my ID OR DRIVER LICENSE AND I CANT USE MY CREDIT CARD AND I REFUSED TO PAY THIS BILL AND I ASK FOR A SUPERVIOR AND SHE WOUDNT TRANSFER ME AND I have received calls from the fraud dept 7 times every time I make a online transactions and they are mines and now on XX/XX/2018 I still cant use my credit card
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute through the credit bureaus, in regards to bread financial that holds an account that I previously had with wayfair. In my dispute I stated that the account was paid in full. On XX/XX/XXXX, bread financial responded and said that the account was in fact not paid in full. This is not the case, this account was paid in full on XX/XX/year>. I have a XXXX dollar balance with a credit of XXXX dollars.That should be mailed back to me.Via check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit. 

The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have bank accounts and credit cards with several different banking institutions and utilize online banking apps with each. BBVA has the worst online banking app platform. It is not user friendly and difficult to navigate. When attempting to make a credit card payment on the app, I received a message that there was an error and the payment did not go through, so I attempted to make the payment a second time on their website. Still another error message. I then called and made the payment with a representative the same evening. He said there was no payment made online nor did he see any attempts. Naturally I made the payment with him. A few days later, 3 payments were taken out of my bank account!!! I was hit 3 times with a very large credit card statement even after being told by a BBVA representative that my previous two attempts did not go through. I have additional complaints about this bank but will submit a second complaint separately as it deals with COVID. I am a XXXX XXXX and XXXX XXXX XXXX by occupation and will never the recommend this bank to my clients or the community. Their online banking system and app is outdated and light years behind the rest of the banking industry. 

Each time I have called I have made it a point to let the representatives know how difficult and non-user friendly their online banking system is. More than one representative told me that they get that complaint a lot. I asked them to please note my specific complaints so their technology department could receive the feedback.