23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The inconsistency in your reporting is not only inconvenient but also damaging to my financial standing and overall well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. WHY DOES YOUR BUREAU TAKE AN INORDINATE AMOUNT OF TIME TO RECTIFY INACCURACIES WHEN OTHER CREDIT BUREAUS HAVE MANAGED TO COMPLETE THEIR REPORTS ACCURATELY AND PROMPTLY? THIS DELAY IS NOT ONLY UNACCEPTABLE BUT ALSO INDICATIVE OF A LACK OF COMMITMENT TO ENSURING THE INTEGRITY OF THE CREDIT REPORTING SYSTEM. 
XXXX XXXX  PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that there are significant disparities in the reporting of fraud accounts across different credit bureaus. While some bureaus have successfully and promptly removed these fraudulent accounts from my credit report, your bureau seems to be lagging behind, causing unnecessary confusion and distress on my part. I insist that you prioritize the resolution of this matter urgently and provide me with a detailed explanation of the steps you are taking to rectify the inconsistencies in my credit report. The delayed removal of fraudulent accounts is not only a violation of my rights as a consumer but also a direct threat to my financial stability.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a installment loan account opened at XXXX XXXX on XXXX, XX/XX/XXXX account numbers XXXX, XXXX and a collections account opened XXXX XXXX XXXX open on XX/XX/XXXX, XXXX open XX/XX/XXXX account number not listed. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Cash app closed my account without any notice. I had previously purchased stock thru cash app, after noticing my account was closed I attempted to sell my stock in the app but continuously go an error message. I email the provided contact information over 4-5 time and could never get any assistance. A live rep isn't available so I continued over almost a year trying to get assistance. I reached out to XXXX chat in XXXX and was told that the opened a case to help me and it's been over 2 weeks and I still have received any assistance.
Product: Mortgage

My mortgage was transferred from XXXX XXXX  to Sorits as of XX/XX/XXXX per documentation. I received official letter from Sortis on XX/XX/XXXX regarding the transfer and that my first payment was due on XX/XX/XXXX. 
I received another letter from Sortis on XX/XX/XXXX in my mail ; it was dated XX/XX/XXXX ; saying that my mortgage payment was more than 30 days past due and my loan was in default. 
In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. Per the records in that account, XXXX started returning some of those payments back into the accounts. Those automatic payments were mailed consistently until XX/XX/XXXX, when Sortis was taking over the account. 
I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.
Product: Credit reporting

I disputed inaccurate/outdated information on my credit report with Transunion. Transunion removed XXXX disputed items but kept XXXX of them on. The XXXX XXXX XXXX XXXX is the same debt as the XXXX XXXX debt, both for the same mortgage of {$33000.00}. Both are still on my credit report. XXXX XXXX XXXX is not my debt. I was relieved of these debts per judge 's order. Transunion updated these negative accounts to XXXX 2015 activity but did not remove them. Also, there are XXXX debts from XXXX that are more than eight years old still being reported, XXXX with a monthly payment of {$0.00}. 
Transunion sent me an update on my dispute and a link to access a free copy of my updated report, but when I try to access it, I am directed to enter payment information for the amount of {$11.00}, so I have been unable to see my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN XXXX DOB XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX XXXX  Acct : XXXX. This account was paid off in XXXX of XXXX, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing 2 months as charge off. XXXX XXXX reversed a payment over XXXX XXXXXXXX then post account in negative, which is against the fair reporting act. 
This account has been removed by XXXX and I attached proof. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. 

Item # XXXX : I dispute XXXX  XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. This account has been removed by XXXX and I attached proof. 
Please delete this account. XXXX XXXX  XXXX did not report this account correct for more than a year. Account is more than XXXX XXXX XXXX. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I settled any debt with XXXX XXXX XXXX also known as XXXX XXXX XXXX, with on XX/XX/XXXX. There is a negotiated and signed court settlement of {$1900.00} agreed signed by me ( XXXX XXXX ), XXXX XXXX XXXX ( Tenant on the lease ) an XXXX XXXX  Representative that attended the court hearing. As there was no clause added to signed agreement to send this matter to collection agency policy, I ask and pay for an one extra month to move my items, the XXXX XXXX Representative said I had to show I was moving out and I said I will have a XXXX  truck on my last day of occupancy to show and pick up my furniture that was mine. I also ask that since the original lease will be terminated, I would not be liable for the condition the unit since I had only a month and half to move out and I did not an eviction place on my record after I left the property, the XXXX XXXX Representative agreed as long as the payments were made, we all so agreed that former occupants will not liable for the conditions of unit, due to time limit set by the XXXX XXXX XXXX to vacate the property. The mediator and XXXX as a witness. So, the terms were explained all parties by the judge to end the Lease on XX/XX/XXXX, and make the guaranteed payments on the dates required in the terms of the signed the agreement. 
As stated in the agreement, The XXXX XXXX XXXX agreed never file writ possession with the court as long as the certified funds where pay by the former occupants ( me and My brother ) and since the previous lease term and conditions were voided, and we ( occupants ) would not be liable for the condition of the unit since the move out day was XX/XX/XXXX as stated the signed agreement. 
I was shocked to learn months later when I applied to a new apartment at different complex that XXXX XXXX XXXX had placed my closed account in collection and violated signed agreement. I decided to start the process of discovery for lawsuit, and I had a paralegal assist me in contacting the court to get a copy of the Filed Signed agreement. While wait on that evidence, I pay extra charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that I did not violate the signed agreement so I could get move in to place I had apply for early that month, unfortunately I had to pay an extra for deposit or lose my apartment. I received the result in XX/XX/XXXX which confirm that I have no eviction on my record, and it proved I had followed the court order agreement that I signed. I sent the results to XXXX XXXX XXXX via a certified mail, to ask them to remove the false collection and or I will be filing a lawsuit again them for filing a false claim and for breach of signed, the letter was refused and returned to me. Unfortunately, a few week after this my mother die and my father XXXX XXXX due to her lost and was now, he will have to retire due to XXXX of cause damage of his XXXX. I decided to pursue that lawsuit and give up my finishing college since now that I had false debt stopping would stop from applying for personal loan to help with my father care. 

It was not easy, and this false claim has caused me to miss many opportunities both professionally and financially.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I submitted correspondence to Ally Financial because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment. Attached you will find the letter I submitted to Ally Financial on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Westlake financial needs to delete this account because XXXX XXXX XXXXXXXX has closed down because of fraudulent activity including this my account and they send my account to Westlake financial and I would like Westlake to delete this account
Product: Vehicle loan or lease

BMW Financial Sevices has been taking insurances overages from customers despite contracts stating they are not entitled for it. BMWFS was paid XXXX on XX/XX/XXXX by my insurance XXXX. The BMW contract states that I am owed the difference between adjusted lease balance and actual cash value. Date of Loss Occurred on XX/XX/XXXX in XXXX XXXXXXXX XXXX. The vehicle is a BMW XXXX BMW XXXX XXXX and the BMW payoff amount in XXXX prior to accident via BMW Vehicle purchase phone prompt was XXXX Agreed upon value Vehicle at time of lease = XXXX ( XX/XX/XXXX ) XXXX XXXX paid BMW Financial = XXXX ( XX/XX/XXXX ) Contract XXXX 1. CAP COST REDUCTION XXXX 2. Adjusted Cap Cost XXXX 3. Residual Value/ Purchase option at End of Lease Term XXXX 4. Total Payments = XXXX Line XXXX. XXXX AMOUNT Waiver States If I am in compliance with my insurance obligations under this Lease and the Vehicle is damaged, stolen, or destroyed and considered a total loss under my insurance coverage, I will not be obligated to pay you the gap amount. ( The difference between the Adjusted Lease Balance and the actual cash value of the vehicle on the date of the loss, if the claim for total loss is actually paid to you by my insurance company. ) My Insurance Paid XXXX to BMWFS My Lease balance = XXXX Residual = XXXX BMW Adjusted Lease Balance = XXXX BMW has returned my XXXX Security Deposit. 
BMW also has refunded XXXX Cap Cost Reduction calculated by CAP COST of XXXX for 24 months minus my XXXX Insurance deductable and minus a XXXX late fee imposed by BMWFS. 


BMWFS therefore owes XXXX which is the difference between Adjusted Lease balance and Actual Cash Value, Dispostion Fee XXXX Sales Tax on CAP cost reduction, and Rent Charge Contract states that I am owed the difference between adjusted lease balance and actual cash value. 
I am also still owed the amount paid calculated in taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate payment history on my credit reports. 
XXXX and XXXX ( XXXX ) they are reporting that I was 90 and 120 days late in payment, when in reality, my account was in forbearance for several months. This is also, the case for XXXX, when I was on public assistance and having problems paying my loans. They placed me on forbearance again, but showed me delinquent XXXX-XXXX XXXX. In XXXX, I was making regular payments, on time, but was hit with lated fees, because they failed to apply my payments by my due date. As a result, they count the late charges against me, even though I was making regular payments on time. The fees were counted separately than my regular payments. The late fees shows me not making any payments for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. I know this was incorrect, because XXXX later refunded me these late fees as over payments, late last year. I need these these late pays removed from my credit report, asap. It is hampering my ability to secure adequate financing for a new car.
Product: Debt collection

XXXX XXXX is charging me {$220.00} for service 's from XX/XX/XXXX to XX/XX/XXXX that I did not ever use XXXX ever I have never used any phone service except XXXX XXXX only I have no idea what thus bill is for the acceptance # XXXX the person i spoke with says its most likely idtheft please i am not paying for something I did not use
Product: Credit reporting or other personal consumer reports

I was recently received a credit report that shows the Vance and Hoffman have filed a collection against me on XX/XX/2023 for collection account originally held by XXXX XXXX XXXX I have never had account with XXXX XXXX XXXX I believe this report is a result of fraud and error whats your desired outcome I want this account removed from my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

Ill start with verifying documentation original signed contracts with my signature, according to Section 609 of the FCRA this is what companies need to prove. XXXX XXXX XXXX has been reporting 2 accounts that Ive been disputing since XXXX with no results of proper investigation. Here are 2 documents one saying this isnt a debt but saying I owe this ... my signature isnt on this document nor is it an original signed contract. Section 609 of the FCRA says the proper documentation must be provided.
Product: Student loan

I have submitted official documents that verify my public safety employment. I have submitted these documents several times. I have observed on the portal that my employers have not been verified even though I have submitted the proper paperwork. I have called the Mohela customer support several times. Each time after waiting over 30 minutes I am disconnected. I have informed customer support about this issue has not been fixed. Mohela is negligent in customer support. With Mohela not assisting in this issue it is negligently costing me income.
Product: Mortgage

I was solicited by XXXX, which I have a credit card in which they provide my FICO score monthly. They sent me an offer for HELOC as low as 4.99 % I responded by phone. My XXXX is about 51 % FICO is excellent with no derogatory info. I asked for {$35000.00} HELOC and was quoted 8.99 % after a hard inquiry on my Credit report. And even though I rejected the offer I have been notified by XXXX that I would need to contact my insurance provider to remove the loss payee standing by XXXX even though I never went through beyond application. I was informed by the loan officer that the rate was because the loan amount was too low suggesting I should borrow at least {$60000.00} to get a better rate although they had another parameter that the XXXX would have to be less than 59 %. Kind of a catch 22 when the parameters fluctuate. I would say that when a financial institution offers Loans with rates as low as 4.99 % and yet set parameters that make it less than likely a consumer will qualify is predatory.
Product: Vehicle loan or lease

I had a banking issue with XXXX XXXX Which i had mitigated on the XXXX of XXXX. Which in turn have funds return on the XXXX of XXXX, due to a misunderstanding with a dispute dating back 3 months which they in turn disputed a all transaction with in that time frame. Due to this mishap my vehicle was repossessed by GM FINANCIAL. Ive sent in proof of payments via bank transactions and proof they I myself approved said transactions. They claimed they never recieved payments when i recieved emails from other merchants as well stating they recieved payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Equifax about 30 days ago. They removed most of my of the items I requested but a account from XXXX XXXX   Account # XXXX they did not remove which was fraudulent and they said it was verified that it belongs to me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , inc . ) due to inadequate customer service and under unfair practices, which violate the Consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

Chase bank is holding my account balance, and I would like my money back. They cancel my transactions even deposits. They closed my account and I could not use it for a week, without telling me. It took 2 hours on the phone for the representative to tell me that The Corporate commission put my account as inactive. The CSR said they do not have to tell me their reasons. I resolved the issue and started looking for another bank. 
They said there is no transaction fee for veterans. I am a veteran. The bank charges me a fee for transactions. They said they closed my account 1 month ago. As you can see from the attachment the account is locked. I can not access the online account it is locked. I get emails from them to check my balance and get my statement. As you can see from the attachment the email was a few days ago and the account is locked for over a month. If the account is locked how am I supposed to check my balance? That does not make any sense. 
A customer service representative told me the fraud department closed my account and will send me the balance of my account within XXXX business days. It has been over 20 business days and I have not received the check. I call every day and they put me back in the phone loop, argue with me, or leave me on hold for XXXX minutes. They have awful customer service.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX  data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife is attempting to refinance a mortgage loan. The lender is attempting to contact Experian for a credit report, but they have ( without my permission ) frozen my information. I have attempted to unfreeze it, but their website doesn't fails when I fill out the form and I don't get an option to unfreeze it via phone. There doesn't seem to be a way to speak with a live person.