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

My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX XXXX  through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX  : Account Number : XXXX XXXX. XXXX XXXX  : Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..
Product: Credit reporting or other personal consumer reports

I have been disputing/inquiring about the following item on my credit report over the course of the last year. Every time I send a request directly to this bureau they have failed to " prove '' that the reported items in question are accurate and true. They either do not respond or simply say that it is correct with no information or documentation that can verify that these accounts are valid.
Product: Checking or savings account

I opened a savings account with Citibank so I may do a swift wire transfer : I am buying a XXXX XXXX XXXX XXXX XXXXXXXX. Citi performed an ACH and withdrew money from my personal account ( at another bank ) and added it to the newly opened savings. Days later Citibank froze my account. I have been trying unsuccessfully to have it unfrozen. They keep sending me on wild goose chase, transferring my calls, refusing to escalate to someone who may provide me with the relevant information. Ultimately they hang up the phone, when I ask to speak to a supervisor.

It seems they are interested in keeping my money fronzen. As this is a savings account, I should be provided with access on demand. I even went to a branch with valid ID, and CITI refused to help. The branch I went to was XXXX XXXX XXXX XXXX Ny XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have XXXX, XXXX and Transunion following federal law and remove all information that is inaccurate or incomplete as per the FCRA.
Product: Credit card or prepaid card

On XX/XX/2021 I called Capital One Credit card Company. And the foreign lady I spoke with lied to me twice about the payment I made and her English was terrible. I made a payment of {$39.00} to my balance and it was never added as a payment, it's being held back. And Everytime I make a purchase I am charged interest on my credit card. My statement is suppose to be {$630.00}, but my statement says {$720.00}. and I had a purchase from Walmart that was refunded to me for {$19.00} which was never added back to my balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ). 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 lost, I seek appropriate redress for these violations.
Product: Debt collection

The last correspondence I sent this company on XXXX XXXX, 2015 pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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  # XXXX XXXX XXXX ( XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( {$7500.00} ) XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX. Has violated my rights.

-15 USC 1681 Section 602 A. States I have a right to privacy.

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

-15 USC 1681c. A. 5.SECTION States no consumer reporting agency may 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 then report by more than seven years.

-15 USC 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Accounts # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE NOT MY ACCOUNTS. I HAVE ASKED THEM TO BE REMOVED. I WAS TOLD TO SEND PROOF. THAT IS NOT MY RESPONSIBILITY. IT IS THE RESPONSIBILITY OF THE PERSON REPORTING IT. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX +
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not allow me to write my own checks anywhere for any amount. There is nothing negative in their report- my bank account is valid and good standing. Every time I attempt to write a check anywhere it's gets denied by telecheck because its '' not my usual check writing behavior. I literally have to call telecheck every single day to use my bank account anywhere
Product: Credit card

XXXX  days ago XXXX  contacted milestone cc/aka concora credit card requested over payment made by consumer be reversed back to checking acct where originated rep confirmed routing had checking on file state would be done.did not see refund into my checking so i called back and spoke to a women today foreign accent .dhe said does not see anything about a refund but did see where i called in.again i requested retuen of overpayment she stated can only mail and get within 45 days!!!! i said no want returned to my checking as promised.she stated could not do .i stated why then did the gentleman say it could be done .and if it couldnt be done why wasnt i given the curteousy of return phone call. requested escalation spoke with XXXX and she i explained situation to her and she stated she would get back to me.she did acknowledge that consumer did make request XXXX a unfair business practice.they get their payments right away why should i have to wait 45 days for a paper check that may never come .requested certified mail .im on a fixed income and need the cash over payment made in error. i went on my account now and can not access it .is this retaliation .i hope they did not close account and mail that would be and unfair business practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported to all three credit bureaus that I have never lived XXXX MD and I have never opened a PO box or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've a victim of identity theft and noticed fraudulent information on my credit report. I will like to this information to be blocked and remove immediately. I never gave you consent to report anything to me credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX account # XXXX and # XXXX, 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 reports a consumer reporting agency can not furnish a account without my consent
Product: Debt collection

Hello I disconnected my internet service from XXXX after the service had many issues and they kept increasing our bill significantly without prior notification. 
The agent confirmed verbally that our bill would be reduced to 1 day as we were one day into the billing cycle. They also confirmed we would be waved the equipment fee once we returned the equipment which we did. 
XXXX has not revised our bill and in fact, have send a higher-than-standard bill for the final monthly charge and equipment charge. Despite contacting them numerous times over the company chat ( their preferred method of communication ) they are yet to resolve the issue and have now sent a debt collector our way. 
We have screenshots of the agent from XXXX confirming on XX/XX/XXXX that our bill would be updated and yet this hasn't happened. 
Thanks, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX 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> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX STATEMENT. Ms XXXX of executive resolution dept confirms ALL HIDDEN INTERNAL CALCULATIONS ARE CORRECT BUT STATEMENT READS DIFFERENTLY. 
My calculations BASED ON STATEMENT XX/XX/XXXX.OF THE {$2.00}, XXXX OTHER CREDITS {$1.00}, XXXX WERE REVERSED CREDITS ** THAT RESULTED IN NEW PURCHASES UNAUTHORIZED {$340.00} XX/XX/XXXX {$470.00} ADJUSTMENT TEMPORARY CREDITS OF XX/XX/XXXX ARE NEW PURCHASES BACK ON CARD XXXX DISPUTES NOT IN MY FAVOR ARE NOT NEW PURCHASES see attatched statement XX/XX/XXXX.total $ XXXX.and then {$12.00} {$110.00} {$170.00} XXXX NOT NEW PURCHASE {$75.00} REVERSALS TOO {$200.00} XX/XX/XXXX {$280.00} XX/XX/XXXX ARE ** NOT NEW PURCHASES AUTHORIZED BY ME. EITHER. THEY TOTAL {$1.00}, XXXX ARE NOT NEW PURCHASES. see attatched OTHER CREDITS {$2.00}, XXXX MY CALCULATIONS BASED ON THIS STATEMENT ARE : BAL {$1.00}, XXXX - MINUS {$2.00}, XXXX OTHER CREDITS = -MINUS - {$1.00}, XXXX + REAL NEW PURCHASES I AUTHORIZED {$910.00} = BALANCE OF MINUS - {$600.00}. USAA CALCULATIONS BALANCE IS + {$960.00}??? BIG DIFFERENCE.??? WHY???
Product: Credit reporting

I paid my late payments with  XXXX  and the  XXXX   XXXX  took it off my collections account but the equifax still has it on theres and it 's been over a year and still has not been taken off, and with that being in there it 's affecting my credit background checks for my job I am applying for so I need it off my account.
Product: Money transfer, virtual currency, or money service

I was scammed by an escort service and chase bank nor XXXX will help me get my money back even after I reported the scammers
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young XXXX XXXX and dont have money to be giving that i never spent.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EQUIFAX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$580.00}
Product: Credit card

I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out letters to all XXXX bureau. 
60 days later no response. Im sending out my second set of letters 60 days later. This is a violation of my rights as the FTC would state. Please remove all unverifiable information off my credit reports or I will file for litigation.