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

On XX/XX/XXXX, I began the process of applying for a home mortgage and my mortgage broker pulled my credit. On my account, they found an unpaid bill from XXXX from XX/XX/XXXX that was now in the hands of Southwest Credit Systems. In XXXX of XX/XX/XXXX( final bill attached ), I closed my personal XXXX account and joined a family plan, meaning that this bill, for just me, inXX/XX/XXXX did not make any sense as I was no longer a sole customer and the current plan I had was under another name in my group. I tried to submit a dispute via phone to XXXX three times. Each time I would spend 10 minutes waiting to get through to a person and the second I would get through, the call was dropped. This was extremely frustrating as I could not speak to a real person to ask questions. I submitted a dispute to XXXX for this unpaid bill, claiming that I had never seen this bill. I also submitted my final bill to XXXX in XX/XX/XXXX which I had paid in full. I also want to note that I had actually NEVER seen this bill. I had never received anything in the mail about it, never an email, no communication whatsoever. I never delete my emails for this exact reason. The address that Southwest Credit Systems had on file for me was my home 6+ years ago and I no longer live there, let along that city. 

On XX/XX/XXXX, my XXXX dispute had " closed. '' For 1 week, their website did not work and I could not actually read the file about my dispute. A week later, I was able to get onto their website and I was told that they found that the bill in fact was attached to my name and was not fraud. I was upset, and decided to call Southwest Credit Systems and pay it. Because it was {$33.00} dollars and I had the means to do so. This was on XX/XX/XXXX. 

My mortgage broker then advised me to call Southwest Credit Systems back and ask for them to delete it off of my credit score as this is something they sometimes do for people who are trying to buy a house. I called Southwest credit Systems the next day ( XX/XX/XXXX ) and spoke to a " manager. '' After asking them to remove this from my credit she told me that there was nothing I could do because I had already paid it. She also disclosed to me that the file has still be in dispute status and I could have possibly had it removed if I had waited. XXXX told me it was closed. I had absolutely no idea that it was still under dispute when I had called to pay it. The customer representative did not disclose that information to me and just took my money. The manager told me that I would have had to " ask '' about it but why would I ask if I did not know that was even an option? Regardless, there was no help whatsoever to educate me on the process when I called to pay it and there was no information about the companies still in the dispute process. 

I then also on XX/XX/XXXX, called XXXX to see if they could help me at all. The customer service rep told me they could not do anything and that it was in Southwest Credit Systems hands at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have multiple accounts that have been charged off showing both a past due amount and a total outstanding balance. when an account is charged off the balance should be zeroed sense the company has written the account as a loss. Also when the account has been charged off the company is required to provide me with a 1099-c in witch i have not received any. with the inaccurate information and some of the companies have turned over the remaining balance to debt collectors these accounts need to be deleted from my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The TD bank credit card account XXXX that appears on my credit report was charged off in XXXX of XXXX and has reflected as such every month since XX/XX/XXXX until XX/XX/XXXX. The account now shows as being charged off in XXXX of XXXX and shows that I was 30/60/90 days late as recently as XX/XX/XXXX. This is incorrect information the account was charged off since XXXX, you can not be late on a charged off account and this is further negatively affecting my credit score as it shows I have recent late payments. Please remove this account for reporting inaccuracies to my credit report. I have attached images of the accounts reporting before and after I settled the debt.
Product: Debt collection

I am getting calls from different numbers from a debt collections agency, Midland Credit Management. So far the numbers are XXXX on XX/XX/ and XXXX on XXXX. I don't answer because I don't recognize the number and they do not identify themselves on CID. They never leave a message. I did an online search and found their name. This has happened to me before. There are anywhere from XXXX to XXXX people with my name in my area code at any XXXX time. They surely got phone, address and other information from their source, but it appears they just keep harassing anybody with similar names until they track down the party they are searching for. Today the phone rang while in the middle of a church service. Thank goodness I had it on mute but I have XXXX XXXX with blue tooth capability and so I could hear the ringing even if those around me couldn't. I've been getting scam calls ( too numerous to count ) from people telling me I am pre-approved for a hardship loan anywhere from {$30000.00} to {$50000.00}. I'm wondering if these are somehow related, the scammers hoping if a debt collector starts harassing me, I'll panic and ask for a sham loan. I have no debt in arrears and have a XXXX score over XXXX. Please help me get them off my back. Thank you.
Product: Debt collection

there was arbitration that i exercised and they disregarded it and filed a summary of judgment in civil court which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
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 : address fraud on their platform, leaving m, account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirementsXXXX  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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Product: Debt collection

Greetings, I have collection agencies that I am not familiar with, contacting me demanding payment that I do not believe is accurate. I am writing you to make you aware of the dispute I have filed with them. I have attached it to have confirmation of proof. Please notate this matter as I may need to circle back around. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WF CRD SVC pulled so many hard enquiries of my credit report
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXWF XXXX XXXX, WF XXXX XXXX, WF XXXX XXXX, and WF XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I went into Chase Bank in XXXX TN. There I used the inside ATM machine to deposit some money, but in the process of taking all the money I inserted which was about {$670.00}, the machine crashes and states its temporarily unavailable. I received no receipt and no deposit. I went and got a banker to assist me and she stated that it was nothing they could do, a tech would have to come out and fix the machine. The banker also assist me in getting a credit to my account until the machine was investigated. I was told once they came out either the money would be deposit or they would call me. A month later XX/XX/2024 my account was debit {$540.00}. I called and ask why the claims department stated that my claim was denied and they only saw where I deposit XXXX. I asked for a second audit of this situation and for them to look at cameras because I know what I put in that machine and its crazy the money is all of sudden not there after the people came to fix the machine. Im at the point right now where I may need to get a lawyer because {$500.00} dollars is not little money to just let go and I know I deposit over {$600.00} into that machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From Transunion... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 voilated 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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed a XXXX drop in my credit score. I contacted World Acceptance Corporation, provided my SSN and full name, and discovered that another individuals name was linked to my SSN. The representative, XXXX, refused to disclose the name but stated I would receive an email with a form to complete that I did not receive. On XX/XX/year>, I contacted XXXX XXXX reported I had not taken out a loan, and was told my SSN pulled up as XXXX due to a number mix-up. They assured me it would be resolved in 710 days and advised against reporting it to the police.I called World Acceptance Corporation again and spoke with XXXX, who requested my full name and address. He stated they couldnt verify the borrower and that I must first file a police report. When I mentioned XXXX, he declined further details, explaining that borrowers must verify their identity in person.
Product: Debt collection

My ex partner XXXX XXXX XXXX used my social security number and made several purchases and inquiries on my credit. I have followed up with the creditors and nothing has happened to date. This is still on my credit reports and is affecting it negatively. There are several more collections and accounts that also do not belong to me that he made. I am currently disputing them also.
Product: Debt collection

Received a call from an unknown number and was informed that I would be served with legal papers on XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.
Product: Credit reporting or other personal consumer reports

I have been doing business with a Financial Institution for Quite some time and have been a model customer and investor with this bank making EVERY payment with this company ON TIME. In XXXX XXXX XXXX I was charged with an erroneous ( 30 day ) late on my XXXX, XXXX, XXXX report. The payment was made well ON TIME, but the company decided to take it upon themselves to apply the payment to a 'low ' escrow account therefore bypassing my loan payment and marking it as a late payment on my report. I was NEVER contacted or notified that this was happening. If I would have been told that my escrow was low, I would have made the payment immediately as I STILL maintain an impeccable payment history with NSTAR/COOPER. Pursuant to multiple codes within 15 U.S. Code 1681, this company is in direct violations of the Fair Credit Reporting Act. THE LAW CLEARLY STATES. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I tried to repeatedly remedy this with the Company but was flat out ignored. I have experienced great hardship over this ridiculous situation and have miss out on many financial opportunities because of this folly on my name. The damages I have suffered have been great. This company has violated 15 USC 1681s-2 as well, in reporting information that is clearly incorrect. Pursuant to 15 USC 1681n AND 15 USC 1681o, Willful and Negligent Noncompliance, I will be seeking damages if this issue does not get rectified immediately. I have a refinance coming up on XX/XX/XXXX that I will not be able to take advantage of due to this erroneous information on my credit report if this doesn't get rectified by then. Please update the late payment on XX/XX/XXXX to PAID ON TIME/NEVER LATE on my report with ALL THREE bureaus or I WILL BE FORCED TO SEEK EXTENSIVE DAMAGES IN THIS MATTER.

I will also be submitting a complaint with the XXXX  as well if this matter isn't resolved by XXXX XXXX. I have attached a screenshot of my account of what happened and the screenshot of the late payment as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

experian is reporting private information ( transactions ) to my consumer report and i didn't authorize or consent for it to be on my CONSUMER REPORT. i'm not talking about the file. i am talking about the REPORT 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /XXXX  XXXX B XXXX XXXX XXXXXXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency Company XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Soft Inquiries XXXX XXXX  Inquired on XX/XX/XXXX Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want to let you guys know my feelings in regards to a Zelle transaction. I have been using Zelle for years and my previous bank failed to investigate my claim efficiently, they basically said they are not able too help me in any way with my issues. I felt unprotected and left vulnerable
Product: Credit card or prepaid card

Paid off my entire closed credit card bill, yet over a week later was charged interest on paid off amount. Called to resolve issue with capital one, yet the representative was extremely XXXX and hung up on me after I requested to speak with another XXXX. Now I am being charged late fees and Capital one is threatening to ruin my credit.
Product: Payday loan, title loan, or personal loan

I applied for a speedy cash loan which was {$350.00}. I paid by the money I owed which was {$1100.00} now speedy cash is telling me I have to pay and addittional {$470.00} and I have to pay the full amount or refinance with more fees which I dont have I have been paying {$99.00} every two weeks per pay check. Is their any way I can get around paying the extra {$470.00}? I would really appreciate your feedback thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX conveyed to me that they had a loan product through on of their partners that I had an excellent chance of approval or I would receive {$50.00}. I did not receive the loan, nor the promised {$50.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken.