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

XXXX, XXXX XXXX, and equifax always show my credit history as having missed payments. I called Equifax and they said as it was only a one time {$30.00} missed payment they would forgive it. It never disappeared from my records. 

Also ; when I spend money my revolving balances go up and remain high even after I pay them. They are quick to lower my credit score and raise my total debt balance, but when I pay off debt credit never goes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!!

15 U.S Code $ 1681c-2 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 then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Mortgage

We were involved with the XXXX  XXXX XXXX scam in XXXX  which was the beginning of the problem. During that time XXXX XXXX XXXXXXXX sold my mortgage to Ditech. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to Shellpoint. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent XXXX weeks in the hospital. Even after 21 XXXX  to save my XXXX  I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further. Mortgage sold again this time to XXXX. Now I have a further reduction income due to XXXX and XXXX. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all ov
Product: Debt collection

ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. 

These people are so rude, threatening and this is not acceptable. They need to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the XXXX XXXXt account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports. 
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. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by 7 points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. XXXX is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.
Product: Mortgage

I took out a mortgage with J.G. Wentworth. I wont get int the numerous issues I had getting them to provide timely information, but on the day of signing, they provided me documentation with incorrect amount listed to go into escrow. The amount listed was short {$300.00}. They drew up new documents and I signed them one week later. 

Three weeks later, I receive my statement for my first payment. I reviewed the numbers and the amounts are broken out accurately on statement. I send them the payment the next day. 

The following day I receive notice that my account has been sold to XXXX XXXX. I called J.G. Wentworth and they assured me the payment sent to them would be forwarded to XXXX. It was. However, the information sent to XXXX did not include the updated escrow amounts and thus, just over {$300.00} was not included in the escrow payment, but rather applied to the principal. That is twice that J.G. Wentworth has mad errors in regards to my mortgage that if I had not found could have left me in serious financial trouble down the road. This is simply unacceptable. 

Please note, I have contacted XXXX and have straitened this issue out with them. XXXX was very helpful in resolving this issue. However, the next customer of J.G. Wentworth may not be so fortunate. 

One point of interest to me is that J.G. Wentworth & XXXX have the same mailing address for their loan payments. My guess is they are one and the same company, or at least subsidiaries or otherwise connected. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I suffered a total loss of  Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to Equifax on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  AGAIN reported to Equifax that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous comp laint ( Complaint Number   XXXX  ) was filed against equifax on  XXXX ,  XXXX .
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 XXXX XXXX These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( XXXX, XXXX ) 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been affected by the 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. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Checking or savings account

My Identity was stolen, and someone is cashing out my checking account to buy crypto. I believed I was the victim of identity theft, where the scammer took my address, name, birthdate, and everything then went on this site to make a purchase. 

These are the transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted Sofi and XXXX yesterday. They denied my dispute the next day, I asked them why and did they spoke with XXXX about this matter. They went silence. Sofi did not contact XXXX they just straight out refused to dispute or get back my money. They told me I have to wait to see if XXXX approves sending me back my money or not, but it is likely already been spent.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I used Bank of America 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by BOA that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.
Product: Checking or savings account

My truck was impounded multiple times ( at least 7 ) due to overdraft fees and payments not being processed. I had to pay gate fees, late fees, I was almost evicted from my house one time from having to utilize all my funds just to get the truck back to get to work and back to pay the rest of my bills. This was in the year between XXXX i ended up losing my job for not being able to get to work on time multiple times due to WF errors. It was my XXXX XXXX XXXX. Please look into this.
Product: Debt collection

my name is XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX fl XXXX SSN XXXX I never apply for this account I already contact the original creditor he already deleted from credit bureau, I don't know why the collection agency doesn't remove I tried to talk to them no response Collection agency info COLLECTION ACCOUNT LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXXACCOUNT Original Creditor Name XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

I filed chapter XXXX bankruptcy in XX/XX/2015 and the debt to XXXX was included in this. I have spoken to XXXX and they are aware of this, but the secondary company obtained the information and has been harassing me the past two years. They call me, my husband, and my elderly parents. They state I have committed " bank fraud '' and have " bad check debt '' that I owe. I have told the company, which identified itself as " Mediation Recovery Center, XXXX. Phone : ( XXXX ) XXXX '' in an email I recieved yesterday, about the bankruptcy. They state it does not matter and start threatening me with litigation and arrest. In the email my account representative was listed as XXXX XXXX, but today on the phone I spoke with one man ( with many names ). The last name he provided was XXXX. He said he could see where I had talked to someone before, and I said yes, re my bankruptcy. And he started on his tirade. I informed him I reported them to the XXXX, and was also going to do the same to FTC as I was tired of just blocking their calls. He said to make sure I tell them the correct business name and said " Mediation Account Recovery '', which is NOT their business name. At least not as reported on the email. So I do not really know who I am speaking too, which is what causes the issue with blocking them as well as filing a harrassment suit against them.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2020 I received a government stimulus check to my Robinhood account. Robinhood then froze my account and kept the money stating that they thought the activity was fraudulent. They have refused to return my money or prove to me why they thought the deposit was fraudulent. I am at my wit 's end with these people I have talked to them several times on the phone and through email and they say that there is nothing they can do and they will not close my account or return my money.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit Inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put Inquiry on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to request of the information contained in my credit in accordance with 15 U.S. Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Bellow are the accounts I am requesting to be reinvestigated : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. 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 me or customer service representative. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The family protection act. I never authorized the XXXX XXXX, equifax, XXXX, and all credit reporting agencies to share my student loan information it violates my privacy. I have had ID theft reported in XXXX  that was significant. It was disputed and removed. There needs to be more privacy rules preventing these companies from acquiring our information without consent. 
Thank you
Product: Credit card or prepaid card

Received offer for {$6000.00} Line of credit @ 0 % interest for 18 months. 3 % Balance transfer. None of my transfers are going through because none of my transfers are being paid. However my balance on my transferred account is showing only {$900.00} is available at this time even though the account was originally {$6000.00} This is the work of WELLSFARGO.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint against the credit bureaus because they have repeatedly failed to respond to my dispute letters regarding incorrect information on my credit report. Despite my numerous attempts to resolve this issue through the proper channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even with multiple submissions, the credit bureaus have not provided any response, confirmation of an investigation, or correction of the disputed information. This non-response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report.
Product: Mortgage

After the forbearance period ended between the mortgage company and I ( XXXX XXXX XXXX etc ) the process to sell my home was rushed so that I would not be able to keep my home with all parties involved. Particularly The Louisiana Homeowners assistants fund and M & T bank. I submitted an application for the XXXX amount well before XXXX a long with all associated documents but my application was put in withdrawn status in order to push the length of XXXX and foreclosure process forward. Im also an XXXX with a XXXX and feel Ive been discriminated against. I tried on more than one occasion to handle the problem myself. The amount stated above would have cleared my balance so I could continue my monthly payments to my mortgage provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Product: Debt collection

Repeated phone calls at all times of the day, upwards of a dozen calls a day. 

Thus disruption has been going on for several months. 

I have repeatedly told them I am not the person they are looking for, they have the wrong number, And Do not call me again. 
I have blocked them and they call from another number. REPEATEDLY. 

The calls continue, now asking for another person. 

I do not want any calls from this company and have gave clearly told them to refrain from contacting me. They refuse to stop..
Product: Credit card

In XX/XX/XXXX, I converted a large credit charge {$8500.00} { airline tickets } to the CHASE FLEXIBLE FINANCE OFFER. This was to allow for a predetermined monthly payment of {$420.00} for a period of twenty-four months. In the subsequent months I submitted payments, as charges appeared for all new charges along with the monthly installment of {$420.00}. In XXXX, XXXX, and XX/XX/XXXX, Chase billed me for the agreed upon plan fee of {$56.00} along with a purchase interest charge of XXXX, XXXX and XXXX [ XXXX, XXXX XXXX XXXX respectively ]. When I contacted Chase customer service in early XXXX the agent said the purchase interest was a result of not making the minimum due for the month. When the charge appeared on my XXXX statement I again contacted customer service but this time after being transferred around customer service, a representative stated " all payments made, after converting the charge to the Flex payment, are applied to the outstanding amount under the Flex Plan. This action by Chase results in a deceptive practice to consumers : believing by enrolling in this plan the amount is separate and distinct from normal purchases via the card. In essence allowing Chase to bill at a higher rate of interest and collect a fee for the Flex transaction. In my humble opinion this is a deceptive and usury situation. 
If you required addition information or clarification, please email me at XXXX. Thanking you for your attention in this matter