23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH KEEPS REPORTING ME 30 DAYS LATE WHEN THEY ARE HOLDING ONE OF PAYMENTS IN SUSPENSE AND THEY ARE TELLING ME THAT I NEED TO MAKE A PAYMENT AND TO BRING MY LOAN CURRENT IN ORDER FOR THEM TO APPLY MY PAYMENT THAT THEY ARE HOLDING IN SUSPENSE. THEY DON'T SEEM TO UNDERSTAND THAT MY LOAN WOULD BE CURRENT IF THEY APPLIED THAT PAYMENT CORRECTLY.
Product: Credit reporting

State of florida child support delinquency collection charge offor set up payment plan XX/XX/XXXX. never got current on delinquency butcharge off account transfered to state of alabama XX/XX/XXXX. They are refusing to correct the origional delinquency date to XXXX insisting that they consider the origional date as when they took the account.
Product: Checking or savings account

Filled out online application with marcus.com ( Goldman Sachs Group , Inc. ) for their High-yield Savings Account on/about XX/XX/2021. Received message that they " need a bit more information before we can continue the review of your application ''. 

Realized this might be due to credit freezes that I have implemented at all three major credit bureaus, so I temporarily lifted the credit freezes at the three major credit bureaus. 

Called the bank on XX/XX/2021 to complete the application process. Was denied an account, and was told that I could not be provided a reason for denial. Terminated the call. 

Performed research to find that I am due a reason for denial per the Fair Credit Reporting Act. Called the bank back on XX/XX/2021 and requested to speak to someone about the reason for denial, based on the requirement for the bank providing that information to me per the Fair Credit Reporting Act. Supervisor XXXX told me at approximately XXXX XXXX on XX/XX/2021 that their decision is not based on credit reporting, therefore they are exempt from the Fair Credit Reporting Act. They were unwilling to provide a specific reason for their denial, citing company policy as the reason. They were also unwilling to provide opportunity to provide additional information in order to better verify information provided in the application. Supervisor XXXX stated specifically that their decision is not based on information provided by credit reporting agencies.
Product: Debt collection

I received a letter from a company called XXXX XXXX XXXX stating that they would obtain a judgement against me if I did not pay money to them for a collection account for PayPal within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with PayPal and when I called the number listed I was on hold for 2 hours on three separate occasions.

This is harassment and a bullying tactic and I want this to STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX report indicates that Dollar Bank ran an inquiry on my report, on XX/XX/2022. 

Dollar Bank didn't have my permission to request a report.
Product: Credit card or prepaid card

I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program. I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. After my last complaint to the Bureau, they reduced the savings progress from 100 % on the dashboard to 99 %. 

NOW, the account has more than {$110.00} and I am STILL not able to apply. They withdrew {$18.00} from my account on XXXX XXXX and have been holding it as " pending '' ever since. Normally, deposits are made and posted in less than two days. 

On the dashboard for the account, it says I meet all the requirements to apply for the card. So why can't I?
Product: Debt collection

They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.
Product: Credit reporting or other personal consumer reports

I attempted to temporarily unfreeze my credit with Experian. I dont have a smart phone. There is no way to contact Experian and quickly unfreeze credit without a smart phone. They do not, unlike other credit reporting agencies, provide an alternative. All interaction is tied to the phone number in their files. What happens if you get a new phone number? What happens if you dont use a smart phone? You are relegated to a long wait and the US Mail. No other credit agency operates this way. They make it IMPOSSIBLE to talk to ab agent and they offer no alternative either on line or by phone.
Product: Checking or savings account

I received a mail solicitaiton to apply for personal loan. On XX/XX/2018, I submitted an application online. 
During the online application process, Prosper requires granting access to a bank account through an online ID and password access for the purposes of depositing loan proceeds and automatic payment withdrawals. The application process also creates an online account/profile with Proper.

Subsequently, I declined the personal loan offer. However, when attempting to remove the submitted bank account information from my online account, Prosper does not provide any way to remove bank account information. I contacted Prosper 's customer support. Customer support was not able to provide any means to delete the bank account information. Therefore, Prosper continues to have access to my bank account. Prosper raised a request to close the online account, but customer reps advised that the bank account details could not be deleted. 

Prosper Supervisor : XXXX ( Supervisor ) Employee ID # XXXX Based out of XXXX, Michigan XXXX Employee ID # : XXXX Ticket # : XXXX was raised to close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report by Wells Fargo show that two ( 2 ) of my accounts are delinquent as of XX/XX/XXXX. These accounts are not delinquent and I continue to make payments on these accounts. The last payment was made in XX/XX/XXXX. 

Because these accounts show that I am delinquent, my credit to refinance a mortgage was denied and it continues to happen because of this.
Product: Money transfer, virtual currency, or money service

Around XXXX through XXXX of 2020, I had received funds through Venmo of around {$2600.00}. The funds were sent to me through a random customer who purchased a lot of clothing from me. I had attempted to withdraw the funds on the same day of the sale and my account was locked. I had contacted Venmo about this issue and they told me my account was locked for 180 days under a review. After the 180 days had passed, I had contacted Venmo and I was informed that my funds would not be released to me. I had made numerous email complaints and Venmo essentially told me that the case was closed and there was nothing I could do. Here is the exact statement written from a Venmo representative : " You are sending and receiving what we reasonably believe to be potentially fraudulent funds and using the service in a manner that have resulted in reversals. Specifically, you received a large number of payments within a short period of time immediately followed by withdrawing the funds. There is no prior history on your account of accepting several large payments in a short period of time and immediately withdrawing the funds. '' I had explained to Venmo numerous times that the transaction was due to a clothing sale. A person had purchased a lot of clothing from me and paid me in total. That is why the amount was high. As for the matter of withdrawing the funds immediately, who wouldn't? What reason do I have to keep that balance in my venmo account when that money was from a sale? Of course I would immediately transfer it to my bank account. I also want to note that I had over a years worth of transactions on Venmo prior to this large sale, so I was not a new user with XXXX transaction history. Venmo had also explained that there were reversals that resulted in a loss to Venmo. This is extremely one sided and unfair due to the fact that I had lost not only the money that I received from the sale, but the numerous designer clothing that I had sold as well. There was no form of flexibility in terms of a partial payment or a reinvestigation on the incident. It was simply I lost my money and there was nothing I could do about it. I am also writing this CFPB complaint 2 years after the incident because I had just discovered about the CFPB. I would like Venmo to give me my stolen money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries. Please remove them from my credit report immediately. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sir/MadamXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX  XXXX closed out my credit card account due to personal information that XXXX, Equifax, and XXXX reported to them.Reporting According to the Fair Credit Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies and I the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic nonpersonal information. Per 15 USC 1681 section 604 ( a ) section 2 states '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. XXXX XXXX, XXXX, Equifax, and XXXX the financial institution and the Consumer reporting agencies do not have my consent whether it be verbal non verbal written or non written or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX 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 the creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}
Product: Money transfer, virtual currency, or money service

Square 's customer service attitude is perfunctory, and they arbitrarily quote payment terms to limit customer funds. Even according to the 12 and 36 payment terms they provide, there is no explanation ( right ) that Square can retain customer funds permanently, it is illegal, and the customer account team is arrogant and rude. Do not reply to customer emails and ignore customer requests. I requested that my funds should be released immediately as promised in the email when they deactivated my account.
Product: Debt collection

I am an elderly woman that is a victim of fraud. I temporarily lived with my daughter and her roommate used our information and stole from us both. I have received debt communication. I am on a fixed income and never used credit accounts.Please help me. I have tried to resolve this issue with the credit bureaus but that did not help. I am on social security and can not afford to pay a debt that i did not create.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute letter in XXXX. I sent it certified mail. It was signed for XXXX XXXX. 
I waited 45 days and submitted another letter asking them to remove all inquiries in accordance with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41,  et seq. ) I was told on XX/XX/XXXX, that they are just now starting the investigation and it will not be completed until XXXX XXXX. 

This is a clear violation of the FCRA. It is not the consumer 's fault that it took them over 50 days to process my information. It is their job to comply in proper time given. This is unfair and unacceptable and is ruining lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorectly reporting me 30 days past due on the XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120  days late on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : fcra violations : see attachments for proof XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Hyundia Capital Americ : Balance {$9300.00} Original Payment : {$41000.00} Account Charge off. {$38000.00} In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

The following information is derogatory account allegations are UNTRUE, UNVERFIED, INCORRECT, UNTIMELY NOTPROVEN COMPLIANT 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681a ( 2 ) ( B ) reports containing information soley as to transactions or experiences between the consumer and the person making the report.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

I was seen and XXXX XXXX XXXX XXXX due to a car accident and having an accident lawsuit the attorney stated they were never informed the bill went to collections and XXXX to XXXX XXXX and I found it on my credit report and disputed it directly with the collection agency they failed to protect me per my lawsuit and failed to protect me and fraudulently charge my credit the bill was filed under the wrong spelling of my last name and was never recent as well to my insurance and has hit my credit since XXXX XXXX  and has held my ability to buy things due to the delinquency and them hitting my credit and calling me from several documented numbers even after I told them I had an attorney.. attached is the protection letter. Even after being told and my attorney never being informed of this incident of deciet. 

RB CORP VA/CREDIT CONTROL CORPXXXX and an increase every month since date of it hitting my report.