23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2020 I contacted enhanced recovery company who had no listing for a XXXX debt. instead they continuously talked about another company what i thought i owed them. I Asked for itemized proof and they said they could not verify the debt. If it is not XXXX  please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
Product: Credit card

The month before my son left for college I took my son to the bank to apply for a credit card in his name only -just like I did with his brother and sister at age XXXX. They all received the Wells Fargo active cash Visa signature card. These were given with no co-signer, no job, just the knowledge that he was starting college. The first year was fine as he only bought groceries and books. The second year he was diagnosed with XXXX XXXX and all XXXX broke lose. When the card was opened I said the credit limit is not to be raised until he is graduated and was working and the bank told me they wouldnt up it because hes not working. My son began having this repeated response to things and would just keep hitting a button at times not knowing he was making purchases-you can see it on the statement. I understand that this is not the banks problem, but I was never made aware of it until he was in the hole of over {$3000.00} plus the XXXX they pulled with his checking account approving purchases when their was no money in the account. They raised his credit limit on his card to {$1800.00} and then let him spend {$1000.00} over that. They assumed I would just pay it. Its not my responsibility to pay it. I was under the assumption that the bank had certain measures in place that would prevent things like this from happening. They knew he had no money when he was out of funds in his Wells Fargo checking account, yet they perpetuated the issue. Why were laws written to protect people if the banks ignore them. To continue to charge 29.99 % interest should be illegal as well. They created the problem, XXXX willing to pay the debt, just not the interest. I was in XXXX visiting my XXXX  when his checking account kept going insufficient funds. I was not happy about getting on public WiFis to login to the bank and transfer funds-this happened XXXX times while I was there, I was XXXX. When are other people going to start to do their jobs? Wells Fargo opened a case and gave us {$50.00} to offset the interest which is about {$60.00} a month. The sent me a message saying that the bank periodically looks at peoples accounts and decides whether to raise your limit or not. Obviously they based it on my credit worthiness, for if they had looked into XXXX they would have found he is going into his junior year of college and has still not worked a day in his life. They messed up and they wont admit it. The FDIC law 226.51 states that banks are prohibited from increasing credit limits without considering the consumers ability to pay. Wells Fargo blatantly violated that law when it came to my sons credit card and checking account. In all honesty they should pay it all because they knew what was going on ; I did not. Now I have to call another number to decrease his credit limit. Ive wasted enough of my time on this. Their problem they can fix it.
Product: Credit reporting or other personal consumer reports

In XXXX I requested a credit line from the bank I have been doing business with for 8 years. I was refused the credit line, When I questioned why, I was told that the Equifax commercial bureau reports 19 unreleased liens totaling {>= $1,000,000} between XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Delinquent manner of payment on commercial credit or other commercial obligations. 

I have no idea what they were talking about. After about XXXX requests I got a copy of the report that was issued. Neither my name or any other info identifying me as the debtor was on the report. I made several calls to XXXX XXXX Common Pleas Court and they do not have any debts listed for me. The debtor in over 90 % of the cases listed is XXXX XXXX XXXX XXXX I spoke to people in the Ohio attorney General office and they have nothing under my name, SS # or business tax ID. I have sent several notes and made innumerable calls to Equifax asking for an explanation, and never get a response. I was told on XXXX different occasions that my issue would be upgraded and a manager would get in touch with me. That has not happened. No one ever got in touch with me. Because of this report I can not access a credit line.
Product: Money transfer, virtual currency, or money service

I am filing 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 proce 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 34 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I had paid off 3 credit cards 2 months ago my credit score did not go up.

Then when i made my payments early it was NOT reflected on my credit report.

They make me wait another 30 days which is then 60 days from my actual payment.

All of my accounts are screwed up on the credit report. Not the right balances, THEY DO NOT report on time or when they are supposed to CLOSED AND SHOULDN'T BE ON MY ACCOUNT THE XXXX XXXX XXXX 

MY REPORT IS ALL MESSED UP AND NEVER NEVER REFLECTS ANYTHING CORRECT! I AM SO FET UP WITH THIS CREDIT REPORTING I AM GOINT TO TAKE LEGAL ACTIONS!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified XXXX and Equifax on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition XXXX is reporting a XXXX ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX 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 a account without my written instructions.
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. 

List of Unauthorized Inquiries : XXXX - XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 






XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37000.00} XXXX XXXX XXXX XXXX  {$4200.00} {$4200.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 CREDIT BUREAU 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: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : 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 account number XXXX XXXX XXXXXXXX account number XXXX account number and XXXX XXXX XXXX account number XXXX XXXX XXXX, account number XXXX 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 card or prepaid card

On XX/XX/XXXX, I submitted, via XXXX certified mail with tracking number XXXX, my request for Capital One to provide me with a XXXX for Capital One Bank credit card number XXXX that Capital One charged off on or about XX/XX/XXXX. In a letter dated XX/XX/XXXX, Capital One responded by discussing the furnishing of information to the credit bureaus. That was clearly NOT the purpose of my XX/XX/XXXX, communication. Capital One refused to address my request for the XXXX On XX/XX/XXXX, I submitted a SECOND REQUEST, via XXXX certified mail with tracking number XXXX, for Capital One to provide me with a XXXX for the charged-off account for tax year XXXX. As of the submission of this CFPB complaint, Capital One has not provided me with a XXXX as requested.
Product: Debt collection

Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year> I was scammed by someone who was pretending to be my uncle XXXX XXXX. They had hacked his XXXX account and pretended to be him selling a vehicle. I sent him {$600.00} dollars via Cash App XXXX on XXXX at XXXX to a wallet address he gave me, XXXX. He then stated he gave me the wrong address and never sent received the bitcoin. He tried then to get me to send money via XXXX XXXX, XXXX or gift cards. 
This person used an email address XXXX for XXXX, had a text now type phone number XXXX. And used an XXXX email for text messages, XXXX.
Product: Mortgage

i have asked to have paperwork sent to me in the past two months from SPS so that they can update my file for reaching a agreement for my home. They sent a letter today that they deny me loss mitigation, how can this be done if they did not allow me to present paperwork about how my situation has changed. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over the verification letter received from XXXX and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXX XXXX XXXX  im not even familiar with the company and this information need to be removed from credit report because it violating my rights. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

1

5 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

Our XXXX XXXX XXXX bill consisted of our business phones as well as tablets that were taken on due to promotional billing credits issued to lower the cost of the phone bill. In XXXX at the time of our XXXX XXXX XXXX rate contract renewing we began looking at other phone companies. On XX/XX/22 we signed the porting contract and our account was cancelled with XXXX XXXX XXXX on XX/XX/22. Since then we were billed and our account debited. XXXX XXXX XXXX issued us a refund on XX/XX/22 XXXX XXXX XXXX continued to deduct payments. On XX/XX/22 we requested a refund in amount of {$1200.00} and received it. We continued to receive bills on the account for a tablet. We sent emails to our account manager and called XXXX XXXX XXXX customer service regarding the balance. XXXX XXXX stated that they would credit bill. Yesterday we received a bill from a collection company regarding the balance due. XXXX XXXX XXXX has turned the account over to Prince Parker collection company.
Product: Credit card

I requested from Citibank that the last statement from my XXXX closed accounts should be available online so that I can download it. They were taking out money every month and those statements are available. I paid off the accounts and the accounts were closed. The last statement which would show a XXXX balance is not available. They say that the last payment is not a transaction. I would like to get the statements.
Product: Debt collection

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, XXXX and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX, XXXX Disputed Information : Balance : {$1500.00} ( incorrect ). 
Status : " Charge-off '' ( inaccurate/unverified ). 
Payment History : 64 % on-time payments conflict with " Charge-off. '' Late Payments Count : Listed as " XX/XX/XXXX '' ( error ). 
Last Payment Date : XX/XX/XXXX ( disputed ). 
Remarks : " Consumer disputes - reinvestigation in progress '' needs updating. 
Dispute Reason Codes : 103 : Claims inaccurate information account balance.

112 : Claims inaccurate information payment history.

113 : Claims inaccurate information account status.

202 : Disputes current payment status.

208 : Disputes other information.

Compliance Condition Code : XB : Consumer disputes ; investigation in progress. 
Detailed Explanation : The following inaccuracies exist in the reported information : The balance of {$1500.00} is incorrect and unverified. 
The charge-off status conflicts with a payment history showing 64 % on-time payments. 
The late payment count ( " XX/XX/XXXX '' ) appears to be a formatting or reporting error. 
The last payment date of XX/XX/XXXX, does not match my records. 
Requested Action : Reinvestigate and verify the accuracy of all details with XXXX, XXXX. 
Provide evidence of balance, charge-off status, and payment history. 
Correct or delete all inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention! My information is being trafficked due to your inability to be impartial
Product: Mortgage

In XXXX we received a notice our escrow account was underfunded by $ XXXX and that if we did not fund it, our payment would increase by {$100.00} per month. We promptly sent the requested amount. To our shock our payment increased by $ XXXX per month AFTER our check posted. We believe that Mr. Cooper has been deceptive and is overfunding our escrow, in effect forcing us to provide them funds interest free for the next year. We have reached out via their app and can not get answers
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint regarding the inaccurate late payment reporting for my Self Lender account ( listed as SELF/SSTATBK ) on my XXXX, XXXX and XXXX credit report. I used this account to build my credit, and instead of supporting my efforts, it has reported me as " Late 60 Days, '' which has negatively impacted my credit score. Both XXXX and XXXX show this account as " Current, '' indicating no late payments. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623, which requires furnishers to maintain accurate records. My account is closed, fully paid, and carries a zero balance, yet XXXX, XXXX and XXXX continues to report an inaccurate late payment. 

Breakdown of the Data : Account Type : Installment ( Secured loan ) Account Status : Paid/Closed across all bureaus. 
Balance : {$0.00} across all bureaus. 
Date Opened : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) High Credit : {$720.00} across all bureaus Payment Status : XXXX : XXXX XXXX : Late 60 Days ( inaccurate ) XXXX : XXXX Last Reported : XX/XX/XXXX for XXXX and XXXX ; XX/XX/XXXX for XXXX. 
Payment History : XXXX and XXXX report consistent, on-time payments, while XXXX inaccurately reflects a late payment. 
This inaccurate reporting is damaging to my credit profile and undermines my efforts to build a positive credit history.