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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX for {$100.00} opened on XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Vehicle loan or lease

I have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.
Product: Mortgage

I can not get thru to a live person at Mr Cooper mortgage. 
I am being charged escrow/taxes and also show a negative escrow balance. This is new to show up on my statement. 
Took out loan in 2021 and never escrowed taxes or insurance. I can not reach a live person to fix this problem. 
Pmt has changed without notice and again have been unable to reach a live person to discuss. 

I always have paid on time with additional principal payments and never defaulted on insurance or taxes.
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended after I added a new bank account ( XXXX  aka XXXX XXXX XXXX, removed my old accounts ( XXXX XXXX and a debit card ), and initiated a transfer of my balance to XXXXXXXX XXXX around ~ {$3700.00} USD I received the email with the form to submit my ID and filled this out & attached a picture of my id. 

The account has only been used for splitting bills & meals with friends. All of the communication and verbiage around this is vague and the timeline of XXXX days is unacceptable. Unable to reach a human on the phone.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further. 

Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered glaring inconsistencies in the information provided. XXXX reported a date of last activity as XX/XX/XXXX, while Equifax indicated XX/XX/XXXX, and XXXX XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account. 

Additionally, there are discrepancies in the reported high credit limit across all XXXX  credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided. 

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by Equifax. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing. 

As a result, I am requesting the immediate removal of account XXXX from all XXXX  credit reports. Failure to rectify this situation promptly may compel me to pursue legal action for gross misconduct and defamation of character.

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.
Product: Bank account or service

Capital one bank refuses to remove fraudulent inquiries related to an identity theft, that were not authorized by me there are multiple inquiries on my XXXX and XXXX XXXX credit reports.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us to delete any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Checking or savings account

i cant link my XXXX  account and i can not access those funds because PNC has decided not to allow it to be connected if this is not solved soon im going to be leaving the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently received a copy of my credit report and I noticed accounts that I do not recognize and did not authorize
Product: Mortgage

I closed on my home XX/XX/2023. United Wholesale Mortgage immediately purchased my loan after closing. 

I just received an email from XXXX XXXX today, XX/XX/2023. My homeowners insurance premium has NOT been paid and Im at risk of my policy being cancelled. It was due XX/XX/2023. This is incredibly unprofessional and unacceptable. 

They are stealing my money by not making this payment.

According to Florida Statute 501.137 3 ) ( a ) If the lender, as a result of neglect, fails to pay any tax or insurance premium when the tax or premium is due and there are sufficient escrow funds on deposit to pay the tax or premium, and if the property owner suffers a loss as a result of this failure, then the lender is liable for the loss ; except, however, that with respect to any loss which would otherwise have been insured, the extent of the liability shall not exceed the coverage limits of any insurance policy which has lapsed. 
( b ) If the lender violates paragraph ( a ) and the premium payment is not more than 90 days overdue, the insurer shall reinstate the insurance policy, retroactive to the date of cancellation, and the lender shall reimburse the property owner for any penalty or fees imposed by the insurer and paid by the property owner for purposes of reinstating the policy. 
( c ) If the lender violates paragraph ( a ) and the premium payment is more than 90 days overdue or if the insurer refuses to reinstate the insurance policy, the lender shall pay the difference between the cost of the previous insurance policy and a new, comparable insurance policy for a period of 2 years. If the lender refuses, the lender is liable for the reasonable attorneys fees and costs of the property owner for a violation of this section. 

I will 100 % get my attorney involved if need to.
Product: Credit card

CASE ID : Previous CFPB filed XXXX XXXX, 2013 case number is : # XXXX against the credit reporting agencies included correcting the BOA Credit Card Judgement issue. Current credit card report received yesterday from XXXX & XXXX show that BOA Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of BOA Credit Card Dept.
Product: Student loan

I took out a loan through XXXX XXXX  for a Private Student Loan in 2007 for {$10000.00}. My loan is now at {$20000.00}. My current interest rate is 8.8 %. This loan was taken out through a XXXX College with very little retention rate. I was XXXX XXXX XXXX when this loan was taken out with the only income listed on the " income section '' of the loan application is my financial aid listed as " other income. '' My Mother co-signed my loan. She is now deceased. 

Things I have requested from Navient ( because it advertises these options on their webpage ) : Income-driven repayment plan XXXX XXXX I call every month and they tell me all they can do is reduce my payment from {$200.00} to {$150.00}. 

I'm going into debt making a {$200.00} payment a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, ink. ) 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This account has been falsely reported as mine and reported twice as two different accounts if not removed I shall be pursuing litigation I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Substantial delays with completion of report. Given inaccurate information regarding submission of documentation and what is accepted. 

Holds for information caused issues with pending job offers putting substantial duress on myself and family as I can not make firm decisions of what jobs to accept or decline as my first choice position with XXXX was heavily delayed by technical issues from hire right.
Product: Mortgage

XXXX, or whomever actually controls our mortgage ( XXXX 2012 XXXX? ) transferred our mortgage to 21st Mortgage to avoid modification when XXXX settlement was made with AGs. This stems from a predatory loan with XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Product: Debt collection

This company I am complaining about is called XXXX XXXX. I make monthly payments to them. Unfortunately, due to unexpected expenses I was not able to make my XX/XX/XXXX payment of {$27.00}. I have been on time previous to that. So, a late charge of {$36.00} has been added to my account which I was aware would happen and planned to pay what the amount due is on XX/XX/XXXX which is when I get my next XXXX check. They started calling me on XX/XX/XXXX. I called them on XX/XX/XXXX and explained my situation and told them when I can make a payment. The man I talked to was aggressive and kept interrupting me. But, he finally said he would note my account when I will make a payment. Well, the calls have continued twice a day and they even sent emails. I unsubscribed from emails but the phone calls continue. And, when I have answered the system hangs up on me. Sometimes a recorded msg is left on my voicemail and sometimes it hangs up when my voicemail is activated. They are using up cell phone minutes in addition to harassing me.
Product: Debt collection

I, XXXX XXXX, consumer, have come to the understanding convergent outsourcing has been in violation of my rights to privacy. I am demanding convergent outsourcing to cease and desist all debt collection activity through all and any medium ( see attachments )
Product: Checking or savings account

Hello, I ordered a new physical checkbook from SOFI from my online account. 

I never recevied the physical checkbook in the mail. Then a few weeks later, I saw XXXX forged checks on XX/XX/XXXX in my account. Since my savings is linked to my checking, these checks overdrew my account and then they look all the funds out of my savings. 

Check # XXXX {$1900.00} Check # XXXX {$1900.00} Check # XXXX {$1800.00} Check # XXXX {$1800.00} XXXX : {$7500.00} I called XX/XX/XXXX to start the investigation. I send in XXXX affidavits of forgery. I have emailed and called into SOFI to get this matter resolved. They have not temporarily reimbursed me for the funds and I am closing on a house XX/XX/XXXX and need those funds for my downpayment. 

I have been with SOFI a few years and have never had any issues. Please help me to resolve this and get my money back ASAP. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of this year I received a promotional offer from American Express to apply for a 4.00 % interest rate on purchase for 12 moths. I called the 800 number to do so and provided them with the promotional code. The AMEX rep could not find it. It took her about 15 minutes and she found it but said she could not process it and sent me to their website. I look into the website and under their promotional offers and could not locate. I called back and was told I could scan the offer bar code which I did but it would not come up. I registered a complaint and received a call about 2 weeks later. The AMEX rep apologized, took down my information and said they would get back to me which they never did. I was going to put a golf club purchase of {$1200.00} using this promotional offer. I did not. I actually put it on my AMEX and paid if off the following month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the inaccurate information on my consumer report. I even attached a copy of my driver 's license. I am in distress and this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX
Product: Credit card

I have contacted the Chase company several times regarding the disputed matter. They refuse to remove the charge of XXXX from XXXX off my card and continue to charge me interest. I advised them that i booked through XXXX that XXXX and allure knowingly falsified images and advertised lavish images of the hotel and described it as a fine luxury resort. The hotel had no water in the pool or spa and was under construction the restaurant and cafe were closed the rooms ac and sleep number beds broke, the place was rat and roach infested. This place is not a resort, its not even a motel it should be condemned. I had no place else to go as this was XXXX weekend could n't find another hotel to stay at last minute so we were stuck. We tried to leave but were threatened by the hotel they would charge us anyways as we had a booked agreement. Since they would not release are funds we could not leave. We could not find a hotel in range that had an opening either. Our claim is that they lured us to the hotel on false images and documentation they provided on the website. Had they disclosed the true and accurate images and lack of amenities no one would have booked a hotel here and that is exactly why allure resort continues to commit the fraud that they do. it is false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report there was some of these inquires on XXXX, Experian and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.