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

I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX   never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX  XXXX XXXX never late XXXX XXXX  and may this has happen before
Product: Credit card or prepaid card

I had two credit cards with BoA, They had a XXXX balance and were on autopay and paperless. After a year of non use BoA decided to change my accounts without notifying me to ones with fees. When changing them they changed everything address etc and dropping the auto pay. They finally contact me by snail mail that I was late. I contacted them, we went over the situation. They agreed that they were wrong and said that they would contact the credit agencies to correct the reporting of late payments. I received Letter saying so. both credits cards were treated as the same thing. I closed the accounts and I forgot about it till I recently checked my credit report. I found that they had only corrected one not both of the credit cards. I contacted BoA they said they could see the mistake and would fix it. After several weeks I got a report from the credit agency saying they will not change the late standing. I contact BoA they said higher management had review it they changed their mind and it stands. They wouldn't explain why or discuss it at all. They then chanced what happened.saying it was up to me to go online and find out that they had changed my accounts and they won't review it. After multiple calls to BoA I finally got someone to review my case again.. They finally agree again I was right and they said they would change it. This was made to me by XXXX BoA case # XXXX. ( I have other case # ) waited two weeks and Nothing was done and when confronted, they said they No nothing about it or other case numbers when I confronted them with their own case numbers they refused to even check on them. I asked for my file that would cover these cases and agreements they said NO. this has been going in circle for months I need help. When I get someone who is honest they agree it should be changed but then they have something that reverses it and will not honor what they agreed too
Product: Credit reporting or other personal consumer reports

noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, Experian, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' Experian : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " XXXX XXXX '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " XXXX XXXX. '' If the account has been settled or resolved, this status should reflect " XXXX '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my XXXX XXXX, and do not reflect the accurate status of the account.
Product: Debt collection

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I lost all of XXXX could not work tried everything to get the credit card companies to work with Me. 
I have contested this 17 times. the collection agency keeps moving it to another offices adds more money to it saying it is new Debt. 
The Charges are from XXXX this debt is too Old every time I get my credit up above XXXX they make another false statement. 
My recent Contested claim my balance was XXXXXXXX XXXX  after dispute now it is {$1900.00} another Lie. Calvary is the The Company I has been doing this two me. 
They have been calling and hanging up everyday at least 5 times everyday of the week. 
One of their False statement caused my Credit to dip to XXXX I climb back they do it again. 
In the last 40 Months I current 100 % to all creditors.
Product: Checking or savings account

Follow up on this claim which was closed but needs to be followed thru -Complaint number : XXXX This claim was closed regarding XXXX since the check was deposited with Citi Bank but Citi Bank has the check since XX/XX/XXXX and deposited it into one of their accounts and has yet to deposit the check into my account after calling them several times and visiting a branch in XXXX XXXX , Florida . They told me I needed to open up an investigation regarding the check which I did but nothing has happened. The check has my name on it but for some reason XXXX sent it attention to Citi Bank, c/o XXXX XXXX in XXXX Citibank branch.Check # XXXX dated XX/XX/11. I don'yt understand why the money has not been transferred to my citibank checking account as of yet.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX , I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXXXXXX 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 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: Debt collection

I have submitted police reports and reached out various times to resolve this issue of identity theft only to have my rights violated repeatedly. This company is blatantly attempting to collect a debt of verifiable identity theft. I have called them, emailed them, written by certified mail, faxed and uploaded all documents asked for only to be stalled out.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, Equifax, and XXXX  to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.
Product: Checking or savings account

My Navy Federal account was hacked and my card was disconnected from my account. Then, funds in the amount of {$2900.00} were taken out of my account. I called when it happened ( XXXX XX/XX/2022 ) I was told I had to call back on Monday. I called Monday ( XXXX XX/XX/2022 ) and spoke with the fraud and security department. I was eventually set up with a new account. I was assured everything had been taken care of. 

Then, Navy Federal took {$2900.00} out of my account as soon as my VA check was deposited. This was the majority of my check that I use to live. I called the security department again and they told me the fraud would be investigated within 10 days before I could get my money back. I am permanently XXXX and have no other income. After the 10 business days, I was told it would now take 45 business days. 

It is now XX/XX/XXXX and no one has been able to give me any updates and I don't have money to pay my bills. Thank you Navy Federal for dragging this out, taking my only money, and possibly ruining my chance at staying in my house.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. However, someone with name XXXX XXXX with address XXXX XXXX XXXX XXXX, LA XXXX is using my social security number to open credit card accounts in my name. My credit report with XXXX, XXXX, and XXXX has my name as XXXX XXXX also known as XXXX XXXX which is NOT TRUE. I'm XXXX XXXX and is NOT known as XXXX XXXX. I am from XXXX and has never lived in Louisiana a day in my life. XXXX XXXX is a fraud. Please help me stop this lady from using my personal information. I am XXXX XXXX from XXXX Thank you.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 


If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering..
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I notified the credit bureau. They removed the account, but left the collection for that account.
Product: Mortgage

My mortgage subservicing was transferred from Seterus to Mr. Cooper as of XX/XX/19. My original interest rate was 4.785 %, however, Mr. Cooper has been charging me 4.875 %. It's such an obvious input entry by Mr. Cooper. However, my payments have gone up. In addition, they are charging me for an inspection fee due to the change of servicing. In addition to late fees since I have only been paying based on my interest rate of 4.785 %. I need your help in solving this. 

They confirmed the fees would be waived, but they still show on my statements as past due. 

They are charging me a higher interest on my loan! 

Please help. I've heard horror stories about Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : amounts- XXXX, XXXX, and XXXX dates XX/XX/2021, Medical billing I have taking the liberty to contact my Medicaid insurance at the time to clarify the bill per caresource Ohio they never received the bill. When I called XXXX all my bills were paidzero. I believe you as XXXX nor fcra really DID NOT help me. I had to do all the findings by making calls. This need to be removed off my credit ASAP immediately. I did not allow a 3rd party to collect nor go against my hippa privacy. I think you, & all 3 creditors handle my account previously reported as failed to completely investigate.
Product: Debt collection

Did not received any documentation to the response the company made to previous complaint : ID XXXX. Will like documentation that support response.
Product: Credit card or prepaid card

Unfortunately, CFPB and regulatory agencies are failing in enforcing banks and financial companies to provide minimum customer service. 

I have a question about a charge in my card, and it is XXXX impossible * to contact anyone. Customer are left XXXX completely XXXX unassisted. Obviously, on purpose. 

How CFPB and regulatory agencies allow that? 

Prepaid cards often have very little time to be used ( a few months ). 
MyPrepaidCenter.com, maintained by Blackhawk Network , Inc, has a Contact Us link. The card in question is a Mastercard and they provide the telephone number XXXX. 

Please, call this number. You will be in an automated system with no option to speak to anyone. 

It seems the * only * way to ask a question is to send a physical letter to the address : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX Letters take many days to arrive, can be lost unless you spend more which can be cost prohibitive ( why send a {$5.00} letter to question a {$15.00} charge ). 

Is this the best you can do, CFPB and regulatory agencies? Allow business like Blackhawk to operate with no customer service at all? 

Business like Blackhawk they laugh at regulatory agencies.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CASH APP ( Block, inc. ) due to the inaccurate customer service and unfair practice, which violates consumers which violates the consumers financial protection act ( CFPA ). Specifically, cash app failed to take a 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 resolutions 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 card or prepaid card

I have been experiencing medical financial hardship for the past few years. I have spoke to this creditor numerous times for help in lowering my interest which is extremely high. over 20 percent. they have put me in 2 programs and still i made every payment on time which still was a lot of interest. i spoke to them today and asked to close the account and reduce the interest rate so I could make a dent in the balance. my advice was to transfer to another card or file bankrupcy or contact a third party. They were not willing to help at all. I continue to get letters and offers in the mail to keep using my card when I 'm not able to afford the payment and the interest. I would never use this credit card or company again. I have been through emotional stress and they could care less.
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies on my credit report that fall under the jurisdiction of 15 USC 16c-2. These errors are impacting my creditworthiness, and I have not given permission for any of the inquiries.
Product: Debt or credit management

Since XX/XX/year> i enrolled by mistake in the big Scammer company as i ever see in my life Freedom Debt Relief ( XXXX ), and they call me every single day to offer me consolidated my debts to save about a 50 %. Now when i revised my dedicated account after XXXX moths and made a deposit of {$15000.00}, and the remain balance of my debt enrolled of {$17000.00} in XXXX enrolled debts, and XXXX resolved for {$11000.00} with XXXX upcoming of {$4800.00} the number are different from the beginning offer with {$21.00} fees, then increased at {$31.00} but they hide to me the scam and charge me every settlement with a fees biggest of the amount they said as reduction to date of {$6200.00}. i m feel very upset how this delinquent and thief company cheat the people and stole very easy the fund to delay the process and XXXX the credit of the clients because of their deceive practices. the number are clear on the attached documents i want they close my dedicated account and reimburse to me all the marked settlement fees stolen total {$2100.00}, they cheat on me like a fool and never advised me about this scam, now my debt is bigger from the beginning so i want the government help me to resolve this fraud. Now i start receive collection letters from account since XXXX this company was not paid due to the funds they illegally stole from me. this company advertised as a federal program endorsed to catch and fish the people to scam them and XXXX up peoples credit. 
please need your assistant in this matter Thank you
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.