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

Im submitting a complaint to you today to inform you I was the victim of erroneous reporting. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts, and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN 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 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 Balance Owed XXXX {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian Disputes Department XXXX. XXXX  XXXX, XXXX, TX XXXX ( mailed and uploaded on Experian website ) Re : Final Dispute, Urgent, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX Experian Credit File, XXXX XXXX, DOB XX/XX/XXXX To Whom It May Concern : Ive tried my best to be patient and refute an unlawful line recording on my Experian file. Experian has repeatedly affirmed third-party information that is insufficient and unverified as your evidence to keep this, violating my rights to fair credit reporting, year after year. 
I've already iniated the process to sue XXXX XXXX XXXX for violation of Virginia state and federal laws. I request that Experian take the following steps immediately : 1. Please provide me with copies of the original sources for the items reported by XXXX XXXX XXXX, before the latest date allowed by law. This includes contracts and service agreements they claim I signed and the truth in lending disclosures. This request is made pursuant to my rights under Section 609 under the FCRA ; 2. This loan was and is unlawful and thus unenforceable in its prolonged, false and unfounded reporting, but also in its origination and continued demand for payments. Per Virginia law, section 6.2-303. ( Effective until XX/XX/XXXX ) Contracts for more than legal rate of interest, as well as Virginia Law Section, 6.2-303. ( Effective XX/XX/XXXX ) Contracts for more than legal rate of interest ; 3. The initiating entity that worked as an intermediate party to XXXX XXXX XXXX is no longer in business connected to their unlawful operations ; 4. The automobile was not repossessed but was surrendered voluntarily as faulty because it was not drivable and repairs that were required ( but not revealed at the point of sale ) cost more than the vehicle. As such, I returned the automobile with an understanding I wouldnt be responsible for future payments. Two mechanics stated it looked to have water deterioration, common of cars at the site of hurricane/flooding. 
If the aforementioned requested material is not available, please know the validity of the XXXX XXXX XXXX entry can not be established. Please remove them from my credit history. The negative impact this reporting had on my life is immeasurable. I tried to fight back but lost my daughter a year before and was disoriented because of my state of mind. XXXX XXXX XXXX and their partner dealership exploited my mental and emotional condition and have continued attempts to collect on this illegal loan. 
Thank you for your time and attention to this urgent matter. I hope this can be resolved quickly and fairly because Ive exhausted all attempts and Im now proceeding to legal action. 

XXXX XXXX XXXX XXXX I've contacted Experian and only Experian, month after month and year after year and they leave the item on and " investigate '' within a minute. They are notorious for this and I've emailed, called and uploaded and no one responds!!! 

This matter has been ongoing since XX/XX/XXXX, nearly 7 years later. This is enough. 

Cc : Law offices, Virginia Attorney General,
Product: Vehicle loan or lease

I am writing to file a complaint against Honda Financial Services because on XX/XX/2023 they were notified that a electronic contract that they received on XX/XX/2023 from XXXX XXXX of XXXX XXXX for a XXXX XXXX  XXXX was a forgery. They took NO action to investigate my claims, But instead reported late payments under my credit report and issued a repossession for the automobile, They have now since charged off the automobile for {$45000.00} in which I received no notification or documentation of and has caused extensive damages to my personal credit as well as my business, My personal credit has dropped significantly low from a XXXX to a now XXXX restricting me from obtaining loans and any other monies due to the following damages, They have since closed and charged off the account for a total amount {$45000.00} without my knowledge or consent and I would like this amount {$45000.00} and other related damages to be reimbursed to me. As soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Applied for Capital One Credit online and was approved on XX/XX/2023 for the Platinum card with a balance of {$500.00} at XXXX XXXX interest rate. In XX/XX/2023, I purchased a vehicle that was going to be financed through Capital One also. The first payment for that account was set to be XX/XX/2023. I contracted them on XX/XX/2023 to attempt to have the payment date moved b/c I couldn't log in to pay my car payment and credit card payment. They agreed to move date to end of the month and t he rest of the call was attempting to troubleshoot XXXX computers and XXXX cell phone for logging in. After all the time I have been on the phone with them, I am able to now log into an account, but no accounts are showing on the account. My husbands account is showing my new vehicle, but we are unable to make payments online or set that up. Every time I attempted to have them take a credit card payment, they told me that they are going through an update and that I would have to call back in about XXXX hours to have it processed. The final time was the most upsetting as I just paid my car payment and after being switched over to the Collections Department, they gave me yet again the same answer that they can not process a payment. They said once again that they were going through an update and that they apologized but I would have to try back again later. My car payment has been made I believe 3 times now and without any issues. I am unable to get them to process a credit card payment therefore the account is in bad standing and I have asked for tech support, a manager and more to get this resolved. But nothing. 

Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX sec XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX hr XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX min XXXX secs
Product: Credit card

I normally make my credit card payment at the ATM by a Citibank Branch, and never a problem, but around XX/XX/year> I logged into my online checking account that includes my credit card account, the credit card minimum due was around USD XXXX and I set it to make a payment of USD XXXX. After processing the payment, I noticed the Citibank website used an old checking account I had on record, I tried to cancel, but it wasn't possible. Right after, I set up the right checking account to pay USD XXXX to ensure I didn't delay my monthly payment. A day or so after, I got an email from Citibank stating that my credit limit was reduced by USD XXXX ... Up to that point, fine, but after a few hours, I got an email demanding to make an additional USD XXXX payment to cover the XXXX XXXX payment that didn't go through. I disregarded it since the credit was already reversed, excluding the USD XXXX payment, I had paid and it was credited to my other USD XXXX payment. Surprisingly, days after when I checked my account online, I found out my credit card account was closed, and I couldn't make any more payments. I got multiple calls from Citibank, I answered most of them, and after I said hello, it got disconnected. I spoke about my case to XXXX XXXX from customer service who tried to reverse the decision, or even send a letter to me letting me know the account was closed since I wasn't even notified... I also spoke to XXXX XXXX from collections, who processed my last payment of USD XXXX and wasn't able to reverse the decision.
Product: Debt collection

On XX/XX/2020 I paid off my debt to XXXX XXXX XXXX XXXX XXXX Acct # XXXX with a balance of {$6900.00}. 

I will provide proof of payment and screenshots confirming I paid for this below.
Product: Debt collection

RECEIVED NUMEROUS CALLS TO MY EMPLOYER 'S HUMAN RESOURCES OFFICE WITHOUT PROPER IDENTIFICATION, JUST LEAVING IMPROPER MESSAGES TO INCLUDE TO SEIZED MY PAYCHECKS AND JUST BEING RUDE. CALLS WERE RECEIVED ON XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX AND XX/XX/XXXX. 
THESE PEOPLE ARE VERY ANNOYING AND WONT TAKE NO FOR AN ANSWER AND JUST WANT MY PERSONAL INFORMATION SUCH AS MY SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. 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. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe XXXX  to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

XXXX XXXX XXXXXXXX closed my checking account due to suspected activity ( fraudulent ) on XX/XX/2021. Back then I was a victim of a fraud. It was an identity theft. Someone stole my laptop with all information to cards, accounts etc. 
I went to the bank and tried opening a new account however they said that I have an alert on the account and I have to go to a different bank. I went to XXXX XXXX and XXXX XXXX  and they both denied to open an account as well. They were referring to Chexsystems. I requested a report from Chexsystems and only thing I found there that can affect me from opening a checking account is that suspicious activity report from XXXX. Chexsystems declined to remove or dispute that activity because they said it was already settled and only way they can remove it now is if XXXX XXXX XXXXXXXX tells them too. Ive contacted XXXX but they said they can not do anything with it and I have to wait 5 years in order for this activity to disappear. 
I was a victim but moreover now, I can not even open any checking account. I am open to file any reports needed in order to resolve it. I am a married man with XXXX XXXX XXXX. This situation is shocking for me. Please help me resolve this issue. Thanks
Product: Mortgage

My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX
Product: Mortgage

Hello, my home loan was purchased from XXXX XXXX XXXX by FlagStar bank in XXXX  of 2019.  At the time of my refinance, Flagstar bank was given proof of homeowners insurance.  I have received several notifications from FlagStar that they never received proof of insurance and that they are going to charge me for reinsurance, which is taken out of my monthly mortgage payment.  I have repeatedly called, emailed and faxed this company to proove that I have had consecutive homeowners insurance and yet they repeatedly deny receiving my proof.  I just want them to stop taking money from me fraudulently.
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I am filing this complaint on XXXX XXXX XXXX. I have checked my credit report and from the period of XX/XX/XXXX through XX/XX/XXXX they have reported false/incorrect information, On my credit profile it has stated during these time late payments, repossession, and as well foreclosure. I have sent in dispute letters to the credit bureau Experian and as well XXXX XXXX ( finance company ). 

According to the rules/laws of reporting late payments the payments has to be at least 30 days past the due date. I have attached screenshots during this time from my payment history form from them. It will not show consistent 30 day late payments for each one of those months. 
Also they have made my status of repossession for the time period mentioned above as well when I have had the car during this time and making payments. Also they have reported to Experian that my account was in foreclosure. This is a car loan not dealing with any mortgage. 

I have called and asked for this to be removed and was told that the credit bureau made the mistake. Contacted Experian and they verified the info stating its correct. So I asked finance company again to update but no further response. 

I have attached screenshots of the payment history and payments made. I will also insert the letter sent to finance company to remove the false information.
Product: Credit reporting or other personal consumer reports

Ive recently noticed that my credit report does not reflect my correct personal information, and this error has led to unknown and inaccurate accounts appearing on my credit. This situation is not only frustrating but deeply stressful and anxiety-inducing. Its incredibly unsettling to see these inaccuracies impact my financial reputation, especially when Ive done nothing to warrant them.
Product: Credit reporting or other personal consumer reports

I am once again requesting the removal of information from my credit file that resulted from alleged identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items within four business days of receipt. Additionally, some items are unknown to me and have been removed from other bureaus, raising doubts about their accuracy. 
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 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: Debt collection

I received an invoice from a IC SYSTEM ( debt collector ) representing XXXX XXXX dated XX/XX/XXXX offering to settle the amount of {$370.00}. 

I immediately called the customer service # on the invoice and was told that the outstanding debt was for cable service for 3 months in XXXX XXXX in XXXX, XXXX 
I explained the last time I lived in XXXX was XXXX, and can provide proof that I have resided in the state of XXXX  continuously, specifically for the timeline the debt was being collected against. 
The customer service agent recommended that I file an ID Theft claim with them directly ( which I did on the call ) and to also contact XXXX XXXX and file the ID Theft claim with them as well. 

On XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Verification Team reached out to me via email and provided me [ Incident : XXXX ] along with instructions and a packet to complete within 30 days and a hard requirement for a police report which led me to ftc.gov since this is handled out of the state I reside in so that the XXXX XXXX division can begin investigating. I am asking you to assist in resolving this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money in the amount of {$800.00} USD to my friend in XXXX. According to Paypal my recipient should have had the money by XX/XX/XXXX. As of XX/XX/XXXX she has not received the money. I called paypal to authorize release of the funds since I am the sender. They refused to release her the funds saying that since I am not the recipient they could not speak to me about her account. I am the SENDER. I use this service to send cash to friends and family in times of need. Paypal is unnecessarily withholding funds from recipients. 

Transaction ID XXXX