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

My social security, name, address, old addresses, and other information has been placed on dark web using different addresses and telephone numbers. I have placed a freeze on my credit but someone is constantly using my information per my credit reports. I asked for a freeze and fraud alert on my credit. Also someone got an EIN number using my information with a company name XXXX XXXX XXXX. Ive already reported it as well and have not received any response. I need help. Please see these numbers listed on my credit report now ; XXXX, XXXX, XXXX. Also this name and address appeared on my credit XXXX XXXX XXXX with the address XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, and XXXX XXXX, XXXX, AL. Please assist me with protecting my credit that has been compromised.
Product: Credit card

I have been a cardholder for 16 years. The initial terms included a XXXX/mo membership fee. Over the years, I have asked if they can remove the fee. They have said not at this time, we have no offers for you. Keep checking. Today, XXXX/XXXX/16 I got a supervisor who said the same thing. I asked since I 've been a long standing customer if she can change the terms. No, there would have to be an option to upgrade on my account. I asked her to check the file if there have ever been opportunities that I missed. She said no there have n't been. I said then I should just close the account. She said check with a financial person on how closing a long term account will affect my credit rating. So, now I am held hostage to this account. Over the years, it 's been {$960.00} in fees. If I close it, it will lower my credit score. It 's not right. The supervisor said there is no one above her who can make an accommodation. Only option is to write a letter through the post to the general correspondence department and ask them to change my terms. No phone number, no name. The terms were agreed to when I opened the account 16 years ago and they can not make a change. I would close the account, except that I know it will affect my excellent credit rating. Please help!
Product: Vehicle loan or lease

In XXXX of XXXX I was involved in an hit and run accident. They ended up totaling my car. I went through Credit Acceptance and had Gap coverage as well. After everything was settled they still say I own {$3000.00}. I was told gap was supposed to cover the cost. I have been back and forth with them not getting any clear answers. They are now trying to sue me.
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 USC 1681.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was put at risk to due to equifax recent breach.
Product: Debt collection

Requested validation of the debt from the original creditor XXXX XXXX to which now JEFFERSON CAPITAL SYSTEM the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX have charged off and closed the account prior selling it to jEFFERSON cAPITAL sYSTEM
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent account listed on my TransUnion credit report. The account listed was never opened by me and yet TransUnion refuses to remove it from my credit report. I disputed this with TransUnion and they wrote back that it was verified with the lender. If an account was opened, this was done fraudulently and without my knowledge. I have the following information : Original creditor listed : XXXX XXXX XXXX balance : {$710.00} Listed date account was opened : XXXX As I stated above, I never opened this account, and no one ever contacted me during this so called " investigation '' by TransUnion. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.
Product: Debt collection

I received a letter from the Van Ru Credit Corporation dated XXXX/XXXX/2015 stating that Van Ru was attempting to make a debt collection in the amount of {$25.00} on behalf of XXXX XXXX XXXX XXXX. I received no contact from XXXX XXXX XXXX regarding my " debt. '' The last I used any medical service through XXXX was in XXXX 2015 in which I processed payment on XXXX XXXX, 2015. This claim presented to me from Van Ru is erroneous. When I went to their online site at XXXX, I saw that the url was not secure meaning that if I were to disclose any financial information on that site, it would not be safe. The notice from Van Ru does not describe the service and date in which the obligation was incurred. I know the claim is invalid and I found multiple reviews online indicating the debt collection scams perpetrated by Van Ru.
Product: Mortgage

Back in XX/XX/2021 I tried doing a cash out refinance with my home and the appraiser discriminated and appraised my home at a very low price while we were at all time highs. All my neighbors properties appraised at a very high price. My home is the most updated home in my complex and is a penthouse but appraised as the lowest price at the complex. When I brought this up with the appraisers office they totally blew me off. Im a 100 % completely XXXX veteran that they took advantage of because of my skin color. I fought for my country to be treated like a 4th class citizen. My cash out refinance was denied by the XXXX XXXX loan because of this situation and wasnt able to pay off my debts. This situation put me in a horrible financial situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
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 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Product: Credit card

On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, SIPC and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX  number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.
Product: Debt collection

I have been receiving daily calls from XXXX from a " XXXX XXXX '' whom leave messages on my phone threatening me with multiple civil cases if I do not pay XXXX to them for a credit card I had from over 7 years ago. The debt in question is no longer reported on my credit and is past the statute of limitation. I brought this up to her and she said it didnt matter as they intend to sue in civil court over a " breach of contract '' I wont validate the debt because that number is not only inaccurate but older than 7 years. I have asked her multiple times for the name of the " legal firm '' she represents and the only information she will provide is " XXXX  XXXX ''. I have not been able to validate the company, she refuses to provide me a street address for the company, and would not transfer me to a supervisor once I asked. She becomes argumentative when I ask them for information and has yelled and disconnected multiple calls when I refuse to speak with her and demand to speak with someone else. When I call her number the message does not provide a business name and I am beyond stressed about the continual daily legal threats.
Product: Prepaid card

Hi, I have been trying to use the card to either use in XXXX or XXXX. I have tried to connect with the paypal to allow me to use it for other online stores because some don't take AMEX. I have to tried to reach out to the phone line on back of the card but has been only redirected to automated FAQs. There was no one to contact available when I look at my account balance. I have sufficient funds and the purchase of the items were below my current balance.
Product: Credit card or prepaid card

Item purchased was returned XX/XX/22 {$750.00}
Product: Debt collection

I continue to get calls from an number and nobody would answer when i called back. XXXX. Turns out it belongs to Allied Interstate, a debt collection company. Their phone number does not identify them as a debt collector or a company at all when you call them. Additionally, when the gentleman answered the phone he refused to tell me 1 ) the phone call was being recorded ( I found that out on their website ) and 2 ) that he was in fact a debt collector. He simply demanded to talk to someone by name at my phone number. I asked him if he was a debt collector and he refused to acknowledge it. I told him I could neither confirm or deny knowing the person he was trying to reach until he identified himself completely. Which he did not. I then terminated the call and told him he may not contact my telephone again.
Product: Credit card

Opened an XXXX.com rewards VISA account with CHASE bank in XX/XX/XXXX. Never received statements either electronic or via mail. Called multiple times to arrange payment and have statements updated after receiving calls from debt collectors. This happened XXXX, where the only notice I received was from a debt collector within a few days of being past due. Even after paying the balance, CHASE still reported negative XXXX days past due to all XXXX credit reporting agencies. This happened XXXX for XX/XX/XXXX and XX/XX/XXXX. Have since gone to XXXX.com and setup accounts to send paper statements via XXXX and have not received them. Just noticed on XX/XX/XXXX that once again a payment was XXXX days past due ( no statements or alerts were sent ). Payed the balance and have now cancelled all cards with CHASE bank.
Product: Student loan

In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Its not reporting accurately.
Product: Credit reporting or other personal consumer reports

RE : XXXX Issues were not addressed. Like the issues were ignored. I pointed out that accounts that are charged off are considered to be income by the IRS and income can not be reported on a credit report per the FCRA so the charged off accounts need to be removed. I provided a list of accounts that were charged but instead I received a copy of my credit report and a letter stating that I said there was identity theft, niether of which I asked about. 

CFPB sued and fined XXXX because they were not addressing the concerns of consumers
Product: Credit card or prepaid card

On XX/XX/XXXX Barclays debited my bank account for {$99.00}. This has never appeared as a credit on my credit card account. Barclays does not answer its consumer phone, I have been on hold twice for over an hour each time. I submitted the problem 4 times on their website only to get answers that they do not understand my complaint. Barclays need to reverse the debit to may bank account or credit the funds to my Barclays card. I have given them the information they claim they need : name of my bank, its routing number, and my bank account number. But all to no effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke directly with the finance company to explain the current economic situation due to a bankruptcy that was happening and they helped me and they made an extension so that my credit would not be affected so that I could repair my credit and they still put late payments on me. credit and that made it go down more than ten points and it's not fair because I talked to them and they said k would not affect me.
Product: Checking or savings account

Consistently having issues with balances not updated and correct. For example, I used the atm and my balance was not unchanged but it showed the atm withdrawal. This makes no sense. Ever sense the merger. Then a couple days later XXXX get an overdraft fee. This is not correct and Global Credit Union is scamming people. I think a class action is needed. Im slowly moving over to a REAL CREDIT UNION
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of multiple hard inquiries on my credit report that I believe to be inaccurate and unauthorized. These inquiries are negatively impacting my credit score, and I request that they be promptly removed from my credit report. I demand that these unauthorized hard inquiries be removed from my credit report within three ( 3 ) business days from the date of this letter. Failure to do so will result in further action to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter. I look forward to the swift resolution of this dispute. Sincerely,
Product: Debt collection

I have repeatedly requested that Collection Consultants of California provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

My late husband open this account without my knowledge. He was XXXX by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.
Product: Credit reporting or other personal consumer reports

Experian has failed to provide their method of verification. Also they are reporting inaccurate information on my credit report. I show them proof of the inaccurate information and the still fail to remove it. The have the date account opened wrong. Balance amounts wrong also balance history wrong on the XXXX XXXX XXXX  account. This account is inaccurate and I demand the account removed due to Experian failing to verify negative information.
Product: Credit reporting or other personal consumer reports

I have been complaining for over XXXX  years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXX {$2300.00} Capitalization XX/XX/XXXX {$98.00} Capitalization XX/XX/XXXX {$1200.00} Transfer I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over XXXX  years so I could resume paying for the XXXX loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my credit score. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( XXXX ) and get them to report the errors on their part to the credit bureaus so my credit score can be corrected
Product: Debt collection

I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX openedXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Student loan

I can not afford the new payment for my loans, it was interest only and went up by {$200.00}. When I called in an attempt to make some different arrangements I was advised to not make the payment, causing it to go to collections and then they said they would be able to make different payment arrangements after that. I do n't understand why they would want me to risk my credit by doing such a thing. I explained that I could afford an increase of {$100.00} per month but not an increase if {$200.00}. They insisted that there was no other way to make a different arrangement without sending my account to collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXXAccount 's Date Opened : XXXX XXXX Account Current Balance : -- -- {$140.00} Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : {$350.00} {$350.00} $ XXXXAccount 's Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX-Account Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XXXX XXXX XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.