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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XXXX.I have called and spoke to a representative, and they declined to help me. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy.
Product: Money transfer, virtual currency, or money service

I received and email that my venmo account was restricted. 
I requested the reason why, after making sure I have not done anything against their terms. I have no violated any of them. They refuse to provide information as to why, or let me appeal. They send generic emails giving links to the same things that do not pertain to me.
Product: Debt collection

Wells Fargo supplied me with numerous different statements starting in XXXXAttached are those statements, with varying amount requests to bring account to current. 

Not once out of any of my complaints did XXXX, an Executive Resolution Specialist for Wells Fargo Auto verify payment or debt. Was the amount every other week {$2900.00} and {$1700.00} at 13.14 % = {$10.00}, XXXX + {$9.00} daily interest = {$45.00}, XXXX or pay {$28.00}, XXXX. So my payments were not ever going to principal, and I was charged a daily and varying interest on top of a {$13.00}. 

I was told someone would get back to me in late XXXX to verify what amount to pay Attached is Mr. XXXX response from XX/XX/2021, who said he would need more time researching, would follow-up with a reply XX/XX/XXXX, XXXX received a response that I was 120 days late after no follow-up, verification how much to pay, or get my account back on track. 

. 

Zero Wells Fargo Auto representatives verified how much to pay or followed up. 

Only aggressive scare tactics, misleading statements, calls, emails, correspondences trying to force me to pay $ XXXX up until XXXX, calls stopped mid-way through.
Product: Mortgage

On XX/XX/year> I requested via phone conference a Payoff Statement with escrow balance applied to the principal. I was told this would be processed in 24 hours. However, when the payment statement come through, PNC has not applied the escrow balance to the principal amount. I called again for an explanation and was advised I needed to submit the request in writing and the required information. I complied and submitted the request on XX/XX/XXXX. The statement is needed for a sale closing on XX/XX/XXXX and the funds are needed for a cash purchase of a new home. I received a confirmation from PNC that the request would be completed in ten business days. After waiting two weeks, or ten business days, PNC did not comply with the request and during a follow-up call on XX/XX/XXXX, refused to comply with the request for a loan payoff statement with net escrow. The escrow balance is {$4800.00} and the funds are needed to complete a cash purchase of a new home on XX/XX/XXXX and I explained I can not wait for their drawn-out process that delays a check being sent through the US Postal Service XXXX They were indifferent to my request for application of my funds in their possession to the payoff of the loan balance and now I am at risk for not having the funds or a proper loan available for the pending closing on the new home purchase which would put me in default for the new home purchase and leave my family homeless. Their deceitful practices have put my family in jeopardy and left me to scramble to find a loan in less than 14 days which will cost me to incur interest that we can not afford, nor should we have to pay if they had complied with their own process. What they are doing is criminal.
Product: Credit reporting or other personal consumer reports

I have Experian boost. I pay my bills every month yet they say they can't produce a score due to lack of credit history. 
Really? Just because I don't have any loans, credit cards or the like then why do they show my monthly bills as a way to boost my score? 
This seems like a bogus made up lie to make you think your score will go up using their boost service.
Product: Credit card or prepaid card

I was offered a promotion for one year interest free financing. I made my payments on time each month in order to meet this promotion. I was calculating that it would be paid off by XX/XX/XXXX ( One year from my first due date ) I paid the full balance on XX/XX/2020 and on my next statement it showed a balance of {$670.00} because they applied the finance charges. I was never notified that the promotional one year financing was set to expire on XX/XX/XXXX. I spoke with several people at XXXX and they told me I should have done a better job of managing the account and there was nothing they could do. Additionally, I was never late and paid on time each month and it was clear by the amount I was paying each month I was attempting to meet the promotional deadline. If I would have know that I needed to pay before my payment due date I clearly would have. So by paying my bill on time I was charged the {$670.00} finance charge. They are refusing to make any adjustments at all even during COVID-19. It is  clear by not notifying me that the promotion was ending 11 months and not 12 months they intended to mislead me so they could charge the interest.
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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Student loan

Due to the number of errors and extensive issues with my account and lack of responses from Mohela, I am attaching a detailed explanation, along with attachments for a better explanation.
Product: Checking or savings account

On XX/XX/2020 USAA Federal Savings Bank received a deposited check in the amount of {$3400.00}. They made {$1000.00} available and put on hold {$2400.00} for four days, in which they released the funds after that time, I called the bank to inform them that fraudulent activities might have taken place with my account, the fraud department puts an additional hold on the check and another deposited check for {$840.00}, the bank informed me that the account or check was blocked, I never received the check for {$840.00}, however they're attempting to hold me accountable for the funds. I wish to seek remedy with the usage of the UCC laws, and banking obligations to customers, my money is suppose to be insured, I would like to file a lawsuit if possible for the FDIC insured money in the amount of {$250000.00}.
Product: Mortgage

the company Carrington mortgage, is trying to foreclose on our home, they are trying it as of now XX/XX/XXXX, claiming we missed on our payment program, they are now in the process, of trying to foreclose on us giving us no opitions, they are being very sneaky not wanting to help us.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern regarding a derogatory rating appearing on my credit report. This negative mark has caused me significant worry and distress due to its detrimental impact on my credit standing. It has already adversely affected me by leading to the rejection of a recent loan application, as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly remedied.
Product: Credit reporting 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 U.S.C 1681. XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy. 15 U.S.C 604 section A Section 2 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, which antedates the report by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now 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. They have violated my right and these items need to be removed from my credit file ASAP.
Product: Credit reporting or other personal consumer reports

I disputed these XXXX accounts with XXXX XXXX. they were unable to validate the debt therefor they deleted the accounts. However it was only deleted from my XXXX report an is still reporting to my Transunion consumer report.
Product: Credit reporting or other personal consumer reports

I have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX  Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}
Product: Checking or savings account

XX/XX/year>, Received several emails from Security Services Federal Credit Union with regards to the opening on an bank acount in my name. Including DocuSign emails with my electronic signature, ACH form, disclosure forms and the oriignal email was a confirmatin my application process. These documents had my SsN, DOB and mailing address. The bank is in XXXX XXXX TX which I never lives as I have only lived in XXXX California. I spoke to the institutions fraud dept and request the account to be closed as it was not opened by me. One of of the documents included a TX DL #. I placed a freeze with all 3 credit bureau and with XXXX.
Product: Debt collection

I have asked The Cash Store corporate to remove my references and my employer from my file. They do not have my permission to contact these people, and they have refused stating it is against their policy. They need to remove all contact information from my file other than me from my file immediately or I am suing them. They do not have the right to keep that information on file after I asked them not to call them or keep the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting services consistently every 90-120 days intentionally with no notice on Experian credit services site intentionally decreases my fico score by exactly XXXX points for no reason at all from XXXX high goes down to XXXX, while my XXXX & XXXX credit scores consistently go up*Experian credit reporting agencies have Been consistently reducing my GOOD CREDIT RATING FOR NO LEGITIMATE REASONS WHENEVER THEY FEEL LIKE IT & Furthermore, I pay all my revolving credit cards ONTIME Each month, never late*Experian needs to cease & Decist false reporting my excellent credit ontime payments & Experian credit reporting agency needs to give This XXXX XXXX XXXX VETERAN  XXXX XXXX XXXX BACK HIS PLUS XXXX FICO SCORE POINTS THAT EXPERIAN CREDIT REPORTING STOLE FROM HIM FOR ABSOLUTELY NO REASONS THAT THEY CAN PROVE IN WRITING*ALL OF XXXX XXXX XXXX CREDIT CARD REVOLVING ACCOUNTS ARE PAID ON TIME WITH EXCEPTIONAL CUSTOMER PAYMENT HISTORY AND EXPERIAN CREDIT REPORTING AGENCY NEEDS TO BE ADVISED THAT EXPERIANS AUTOMATED SYSTEM REPORTING MY EXCEPTIONAL PAYMENT HISTORY NEEDS TO BE FIXED IMMEDIATELY*
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX PA. XXXX XXXX office address is XXXX XXXX XXXX XXXX XXXX Fl XXXX. Office number is XXXX his email is XXXXXXXXXXXX. That Suntrust bank has put my account in collections.No Demand letter or Notice. He is a debt collector law firm. SunTrust Bank Acc # XXXX. My XXXX XXXX SunTrust Equity Line. XXXX XXXX XXXX XXXX & SunTrust Bank have n't sent me anymore Statement since XX/XX/XXXX. On XX/XX/XXXX sent By USPS Mail sent to XXXX XXXX Debt Collector to XXXX XXXX XXXX XXXX XXXX Fl XXXX. Client SunTrust Bank Acc # XXXX last 4 digits To XXXX XXXX & XXXX. Wrote them that I am a federal office on file in the state of XXXX XXXX ( 9 ). XXXX XXXX XXXX is my boss Commissioner in XXXX Fl. State lic # JF XXXX. Gave him all the contact of my Business attorney XXXX XXXX licence in debt in XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX & his office phone number. All Contact goes to him. In XXXX XXXX put my home at XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Office # XXXX for sale. Had a buyer all he has sent is Pay-Off receipt on XX/XX/XXXX from XXXX XXXX XXXX email of {>= $1,000,000}. I need SunTrust Equity line Statements for my CPA to file federal income tax to IRS for year XXXX and how much interest I paid in year XXXX. My First Mortgage XXXX Mortgage Loan # XXXX has sent one every month. Cant sell my home or do my tax 's without those Statements of XXXX to XX/XX/XXXX & XX/XX/XXXX. How much Interest I paid. I file early so I know how much I have to pay in XX/XX/XXXX. I am a Small Business Owner Company Name is XXXX XXXX XXXX. Please help me get these statements so I can sell my home & can give my paper work to my XXXX XXXX. Do n't want to get in trouble with IRS. I need to have this Equity Line Statements XX/XX/XXXX & XX/XX/XXXX to give my paperwork to my XXXX & XXXX. My XXXX XXXX has a lot of clients & run a bar in XXXX XXXX Fl. I will lose the buyer soon if I do n't get proof of SunTrust Equity Line Statement the one from Suntrust Bank to see if the amount of pay-off is right the one is XX/XX/XXXX amount is different {$24000.00}. Made my last payment in XX/XX/XXXX. Working 2 jobs now had XXXX XXXX in year XXXX. That is why I got behind in my payments. Have medical documents & paperwork to prove this mess. Please HELP me with this Debt Collector Atty. I shouldnt have to ask several times & send his emails and call my attorneys office. Sincerely : XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I have always made timely payments and never missed a payment. This mistake is causing me significant stress and anxiety, and it is affecting my ability to sleep properly. I kindly request that you update my account as soon as possible to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  NA, XXXX XXXX SER, XXXX CARD
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I Have tried to contact the credit bureaus regarding hard inquiring that are fraudulent
Product: Credit reporting or other personal consumer reports

There is a loan from XXXX for {$24000.00} that should be removed. XXXX sold me a faulty vehicle and I returned it. I no longer own that XXXX XXXX account needs to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Chase reported a XXXX decrease in my credit score, despite several positive changes in my credit profile. My available credit increased by {$12000.00} ( from $ XXXX to $ XXXX ), and my total balance decreased by {$12000.00}. My credit utilization rate also dropped from 10 % to 8 %, reflecting responsible credit management. Additionally, the age of my oldest account increased by one month, as did my average account age. 

Ive maintained an excellent payment history, consistently paying bills in advance, with no missed or late payments. This unwarranted score reduction appears to be an error by Chase, and by inaccurately lowering my credit score, Chase is unfairly impacting my financial standing.
Product: Mortgage

As a XXXX XXXX combat veteran ( XXXX ), I am informed by VA that the terms of my VA mortgage entitle me to a refund of the funding fee the mortgage provider received when I took out the loan. Prospect Mortgage was that provider, even though without my knowledge they sold my mortgage to XXXX XXXX six months after I signed it, resulting in other issues with XXXX XXXX Home Mortgage. Now, Prospect Mortgage, despite numerous phone calls and requests for update, as well as an in-person meeting and referrals to VA contacts, has not returned this funding fee to me. This issue is separate from my issue with XXXX XXXX Home Mortgage, about which I have also complained to CFPB as a final resort. I need help with these XXXX companies, which are in my view taking money from veterans in order to further their own gains.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an XXXX XXXXXXXX write off Also, in collections And account was also paid by the XXXX XXXX in the finance charge This is corporate FRAUD.