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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request To Whom It May Concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. Please send me a notification of the actions taken. I greatly appreciate your prompt expedited action on this matter. Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Checking or savings account

In mid XXXX XXXX a savings account with Citi. In XX/XX/XXXX I deposited my first deposit. A check written to me from a company I have done work for for almost 20 years. My account was instantly blocked. After calling the first time, i was told the check was flagged as fraudulent. Ok, so I wait a few days and cal back. Then they tell me my account has been closed and a refund will be issued in 60 days. I received a letter from them dated XX/XX/XXXX shortly after that phone call. All within XXXX weeks of the deposit. The check deposited was for {$1100.00}. More than 60 days had passed so for the last few days I have been calling them. They said they needed to verify the check wasnt fraudulent by talking to the company that wrote the check. They did that. Confirmed it with the gentleman that wrote it. I have kept them in the loop through this process. They have confirmed the check cleared their account with no issues. But they now say no one as made the note on the account. So I still can not get my money. At this point I am ready to get law enforcement involved because they have obtained my property ( money ) under false pretenses ( supposed fraud ) and refuse to give it back. Which is theft. I asked to speak with a supervisor and of course no one was available. Supposed to be on a call back list but that will probably work as good as the check writer calling to confirm the legitimacy of the check. I need help resolving this because they will not follow through with their policy. I have been professional until now and will not be professional with them any longer. They are thieves and will be treated as such.
Product: Money transfer, virtual currency, or money service

Well, I was scammed by some one pretend to be a loan company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed Trans Union a letter informing them that they were reporting collection debt of {$830.00} to XXXX XXXX, that was not my debt. I requested validation of the debt from TransUnion as XXXX XXXX. As of date XX/XX/2021 neither parties have responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.
Product: Debt collection

I have contracted internet services with XXXX since XXXX. The services received were standard and exclusive for low-income families ( {$10.00} per month ). In XXXX, XXXX continued to bill my account for premium services that were not offered nor being used through their services ( XXXX ). 

I disputed this information but was unsuccessful in getting reimbursed. I continued to pay my bill online. After a while, my discontentment grew, and decided to cancel all services with this company ( XX/XX/XXXX ). The company failed to provide or mail any bill to the address on file after internet services were canceled. Instead, continued to send electronic bills to an app no longer active on my phone. 

Recently, a negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. The said XXXX account, had been sold to a collection agency, Credit Management. The account is showing on all credit bureaus as an active collection.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to adequate 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. Futhermr3e their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and Regulation E. these actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

well XXXX got me, gave be a better deal was to pay of my XXXX and they also took 4 of my phones, well when I was a the XXXX store I let the XXXX guy get into my XXXX to have all payments cleaned up, 3 week later nothing I was turned into the collections agency 's for my XXXX, so I paid that, then every other day I would call to ask for a manger or would drive down well the guy who took care of me got fired but yet I was still determined to get to a manager, XXXX XXXX XXXX XX/XX/2017 was not able to drive for a few but could call, still no manger well was ready to do some driving still no manager to talk to so will XXXX breaking contract first buy not paying XXXX I shut XXXX off not only they owe me XXXX for paying back XXXX they also owe me for 4 cell phone they lost well here I am I disputed this with XXXX and was deleted from my report XXXX XXXX account # XXXX now someone else have bought it and placed all creditors on all my 3 reports I don't know what to do, not only have they lost it also fraud thank you XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went into a PNC branch to close all my PNC accounts with the branch manager XXXX XXXX. The only PNC account that I could not close or transfer was a Commercial Loan which is funds I received in XXXX from the XXXX XXXX which was not forgiven according to PNC and a dispute is in process on that final decision. A request to change my auto pay to my new bank account was faxed to XXXX XXXX on XX/XX/XXXX ( a copy is attached ) I made my XX/XX/XXXX payment at the branch but on XX/XX/XXXX the auto payment that posted to the loan was from the wrong account. On XX/XX/XXXX I sent an email to XXXX XXXX asking for her help in figuring out what happened to my request to change the auto pay to my new account. 
On Saturday, XX/XX/XXXX I reached out to XXXX XXXX again with an email about the issue. I have seen a reversal on the payment post dated XX/XX/XXXX. 
On Tuesday, XX/XX/XXXX I called PNC business banking XXXX the hold time was over 20 minutes I waited 30 minutes and hung up. 
Today, XX/XX/XXXX I received a reply from XXXX XXXX that I should make a payment at the branch for now. She submitted my issue to the Escalation dept. The branches are closed and I do not even have a remittance address on my loan payment statement because I was enrolled in auto pay. I called PNC again today and waited over 40 minutes, vented to the lady all over again about this mess. In the meantime they are accruing daily interest which is where I draw the line. I refuse to continue allowing this # 2 bank to profit on my hardship. They need to get their act together. I have done every to watch and reconcile this simple change request. No one ever called me. They are so big but they cant handle their mistakes. I expect a call from someone that knows something.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 


This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

I sent money using the Remitly app to XXXX to one of my friends accounts i sent the money on XX/XX/XXXX the day i sent the money remitly sent me a notification saying that your transaction is completed and your recipient have the money by now in his account when i asked him he sayed he never got the money i call remitly to ask them and the coustmer service team told me that i have to wait for 7 days in order for us to proceed with your transaction and to get the email back its been 10 days they have not solved my problem so far every time i call them they say i have to wait when i want to talk to the supervisor they that the supervisor are busy at the moment or we will call back in hour and will connect you to one and they never called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. System, Inc has reported this account to XXXX as a derogatory action every week since XX/XX/XXXX. The other dates reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I.C. System, Inc is violating the Fair Credit Reporting Act ( FCRA ) of XXXX with unfair credit reporting practices in attempt to lower my credit score on a weekly basis in retaliation for a previous dispute regarding my credit report. 

I.C. System, Inc is well aware that continuously reporting the same debt on a weekly basis is unfair and retaliatory and could affect my credit score, thus affecting my credit worthiness. 

There is no reasonable reason for I.C. System, Inc to report this information every week, on the very same day of the week when there is no change in the amount of the listed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In 1 year I have filed online with TransUnion approx 5 different OnLine Disputes. 
2. Today I received my Paper TransUnion Credit Report and credit cards XXXX XXXX and XXXX still have the Incorrect Charge Card Numbers. I lost my Wallet over a year ago and was re-issued the 2 above credit cards with new account numbers. 
3. When I called TransUnion and stated I have completed 5 online Disputes about this issue and Nothing is done. They told me to Contact XXXX and XXXX XXXX and have THEM call TransUnion. 
4. I asked isn't this what the DISPUTE is for - Shouldn't TransUnion be doing the investigation on this issue? She didn't say anything except to call the Stores! I called XXXX - they had NO IDEA WHAT TransUnion was! 
5. Need someone to FIX the 2 old credit card # 's to the New # 's matching the charge cards I now have on my TRASNUNION CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point
Product: Student loan

Nelnet which is contracted by the US Department of Education is totally dysfunctional and inept. Case in point, I sent an email on XX/XX/2019 which was a simple post discharge monitoring form, 10 days later on XX/XX/2019 they actually, acknowledge receipt of my e-mail. It is a rather simple form that requires 30 seconds to process, my account number is : XXXX. Filing a complaint is usually the only way Nelnet actually completes and processes something.
Product: Checking or savings account

On XX/XX/2023, Navy Federal Credit Union denied my claim for a chargeback regarding a transaction that was never successfully completed. I received notice of this online. I then followed up and called XXXX XXXX to inquire about this dispute. They said they could not help me and XXXX me a chargeback. 
I originally filed the dispute with them on XX/XX/2023. On XX/XX/2023, I made a transaction for {$420.00} to XXXX XXXX. I never received the items which I paid for and the merchant, ( XXXX XXXX ), never refunded me the money after requesting a refund. I never received a tracking number so there is no evidence that the items were ever shipped to me. I am unable to resolve this with the merchant and expect XXXX XXXX to do what is right.
Product: Mortgage

During 2018 I was plagued with medical issues which cost me a large amount of money. It also caused me to have to take some time off of work to recover. I was still not 100 % when the XXXX pandemic hit. Due to my compromised health I had to take every precaution. I had to take time off of work and had to pay for delivery to stay away from people. I called my lender and they put me on a XXXX forbearance. My forbearance ran out and I was still not back to my pre pandemic income. When the forbearance ended I was asked if I was able to resume my payments, I was not. I am finally back to my income and my lender is refusing to let me access FHA post XXXX assistance. My interest rate is at 5.125 %. I have researched and as long as my past due does not exceed {$46000.00} I should be able to get a partial claim and keep my rate. If my past due is more than that figure, I believe I should be able to get a recovery modification. I have been through medical issues, a pandemic and I am in XXXX and was effected by XXXX XXXX and I believe FHA has assistance that can benefit me and my lender is refusing to let me access it.
Product: Credit card or prepaid card

I purchased a pair of shoes from XXXX XXXX for {$30.00}. They offered a store credit card from Comenity and I signed up because I thought it would help me increase my credit score. They never sent a bill. I called twice to ask about the amount due and to make payment. I was told I would have to wait until I received my bill. I became very wary of the company and closed the credit card account. This is evidenced by the entry on my credit report of Comenity closing the account on XX/XX/2021. When the bill finally came, I made prompt payment on XX/XX/2021. The check was not processed by the company until XX/XX/2021 and after they charged a late fee and minimum interest charge on the account of {$37.00} on XX/XX/2021. I called to tell them the credit card account was closed and that we payed as soon as we received the delayed delivery of the statement/invoice. They refused to take action or even acknowledge the account was closed. I have spoken with them three times since. The purchase has been fully paid for. They refuse to close the account and continued to charge a late fee and minimum interest fee of {$37.00} per month on the closed account, charging interest on the interest and late fees. The fees have now added up to {$100.00}. Again I called and told them I was going to file a complaint and again they refused to do anything. Their actions in causing the delayed invoice/statement feel intentional and an abuse of fair consumer credit practices.
Product: Debt collection

As of XX/XX/2018 I have contacted World Finance Corporation regarding a former loan with their company that was in my name, but was discharged under Chapter XXXX   bankruptcy last year. This company is still reporting a past due balance to one bureau, and late payments after the bankruptcy was discharged to another. I have mailed certified mail, called, and mailed a second letter by certified mail today XX/XX/2018 to their office in XXXX, SC.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  I started a dispute with XXXX about accounts reported on my credit report I gave the law section 605b and made them aware of the fact that I had no knowledge of the accounts and that keeps stating that it will take 30 days despite what the law says. my information was exposed in a data breach. I made that very clear and the fact that all the open accounts that I didn '' t open is causing me harm by being denied an extension of credit. I have desputed the accounts before and they always come back as verified without any proof. I did get incorrect addresses and names remove except one incorrect name. I'm not sure why they are not removing it when the spelling is clearly wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

After logging into XXXX noticed my credit report information is all blank, and only shows a credit card on the report that does not belong to me as well as addresses from states i have never lived in. I contacted Equifax, they said they will have someone contact me immediately within XXXX hours to create a support ticket and have this investigated and resolved. I never was contacted, my score has dropped and everything maintains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  and XXXX XXXX as well. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : XXXX  XXXX. ( innacurate reporting, not even a clear date ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( innacurate reporting XXXX not even a clear date ) XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX. ( innacurate reporting, not even a clear date ) XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, I paid off US Bank Mortgage XXXX in full. The escrow balance was {$1800.00}. On XX/XX/XXXX US Bank Mortgage debited my US Bank Checking account for a XX/XX/XXXX payment of {$1300.00}. I received a refund of {$1300.00} on XX/XX/XXXX but nothe the escrow refund of {$1800.00}. I made a call to customer service the week of XX/XX/XXXX and was told the US Bank would not issue a new check for the escrow for 30 days. According to the contract the escrow refund is due to me within 20 business days of the mortgage payoff. I again attempted to request an immediate refund of the escrow on XX/XX/XXXX via a call to customer service. The customer service agent and supervisor refused to initiate a refund of the escrow funds to me, citing it was their policy to not issue new checks for at least 30 days. Further it would take 10 or more days after the request was initiated before the check would be issued and sent and I would need to call on or after XX/XX/XXXX to make the request. 

In addition I have notified US Bank Mortgage Escalation Center of this issue by US mail and included a copy of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance Corporation has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that American Honda Finance Corporation provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that American Honda Finance Corporation provide proof that they sent these emails in which I never received.