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

This company XXXX XXXX conspired with prev. servicer Shellpoint to remove and disappear my XXXX acct upon transfer, XXXX XXXX is a XXXX rated company and has predatory practices. 
They then increased my mortgage by 24.9 % while I reported I was adversely experiencing hardship and have failed to address in any way the missing {$5200.00} escrow. 
Meanwhile, I struggled to pay the XXXX as a single homeowner and XXXX  student and with stated reported XXXX hardship. My XXXX was increased after stating hardship later that month to the amount 24,9 % max allowable increase by law : {$2400.00} from {$2000.00}! 
Eventually, after almost a year of this I brought the mortgage current in XXXX XXXX. 

During this period, they did not update online the amount due, and collected partial amounts which increased adverse reporting for XX/XX/XXXX due to not updating accurate amounts, when paid in XXXX, ( see attached 2 payments in order to get 1 payment to even show ) Stated on phone it didnt matter the partial amount showing and collected. I should have been shown delinquent one month less. 

I requested also multiple times for relief this extreme increase, last time was XX/XX/XXXX. It took XXXX to receive the updated analysis, finally arriving in XXXX. As such recently they did reduced it, but totally failed to timely respond by having gave absolute no notice of action or a response or a new escrow analysis, leaving me uninformed of reduction, to falsely believe I had pay more than was due as a method of intimidation and lack of access.. I requested relief with the escrow analysis onXXXX but they never sent any information and stated no record of my call, which was the day of payment and of which I have paper notes. On XX/XX/XXXX I dictated specific wording requesting assistance, this company refused on XX/XX/XXXX call to read any notes and on XXXX stated not even a call had occurred. Continually erasing and failing consumers with harmful actions. I have just XX/XX/XXXX received the escrow analysis rerequested on XX/XX/XXXX, but still yet no update of mortgage status I paid 3 payments and was current as of XX/XX/XXXX but they CONTINUE to falsely report me late more than 60 days as of XX/XX/XXXX I requested again for it to be updated and was refused assistance, customer service rep stating they had no ability to make a work request order for such. This occurred last on XX/XX/XXXX, when they call me on automatic dial. Supposedly my request was submitted but to date XX/XX/XXXX, there is no reflection of a simple request. 
I had currently paid over {$6300.00} in less than a week, and yet they still autodial harrassed me as if I am late. 
This action illustrates that they are purposefully not updating any information, continually trying to harm the consumer As of today, my credit reports last reporting from them XX/XX/XXXX and they have ignored my requests for accuracy. 
XXXX shows the devastating practices of this mortgage service and illustrates why they should be removed from doing business in the U.S. due to their predatory and harmful damaging consumer practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.
Product: Money transfer, virtual currency, or money service

Answered XXXX online ad for concert tickets. 

Transferred money through BofA using XXXX XXXX. 

It was a scam and the person never delivered the service. 

I wanted a refund from XXXX, BofA said " no ''.
Product: Credit reporting

I signed up with freecreditreport.com to get my free credit report, which they would not provide without a {$1.00} fee. Ten days later my card was charged for {$22.00} as a monthly recurring fee. When I called Experian, they indicated that I had signed up for a 7 day trial and that the charge was valid. They refused to refund my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.
Product: Credit reporting

I was married in 2012 and changed my name. I notified TransUnion and they failed to update my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have 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 personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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 to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. 

PLEASE REMOVE ALL ACCOUNTS THAT ARE IN VIOLATION IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. It was opened on XX/XX/2015. 

TD/TARGET Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Okay, incorporating that detail strengthens your case. Here 's the revised version : Subject : Dispute Regarding Incorrect Delinquency Reporting, Unprofessional Customer Service, and Violation of Company Policy On XX/XX/XXXX, I contacted the company regarding a significant and incorrect delinquency report on my credit file. The report indicated an 11-month delinquency on a student loan account. 

The issue stems from an incorrect classification of my student loan status. I am currently enrolled in a XXXX  XXXX  at XXXX XXXX XXXX, with continuous enrollment since XX/XX/XXXX. This enrollment status qualifies my student loan for deferment. 

During the call, I informed the representative of my current enrollment status and offered to provide supporting documentation. The representative stated that I had been " deferred for too long, '' which is inaccurate. I requested to speak with a manager to resolve the issue. The representative initially stated no managers were available. After a 30-minute hold, the representative returned, again stating no manager was available.

Furthermore, the representative attempted to provoke me into abusive or harassing behavior. I stated that I was aware that representatives are not permitted to terminate calls. The representative confirmed this policy. Despite this, and my continued requests to speak with a manager and my insistence on waiting, the representative deliberately terminated the call.

This call involved a refusal to acknowledge my valid deferment status, a denial of access to management, a deliberate attempt to provoke me, a confirmation of the " no hang up '' policy, and a direct violation of that policy. The incorrect delinquency report, which has caused a substantial decrease in my credit score of XXXX points, is a direct result of the company 's inaccurate reporting. I have documentation, including an official enrollment verification letter dated XX/XX/XXXX, to prove my current student status. 

I am requesting an immediate investigation into this matter, the removal of the incorrect delinquency report, a formal response regarding the unprofessional conduct of the representative, and an explanation of the violation of the company 's " no hang up '' policy. I expect a prompt correction of my credit file and a thorough resolution to the customer service and policy violation issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!
Product: Checking or savings account

Global payments inc. Is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking whats going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be looked into. They offered 6 months credit but that's it. Us not canceling? ( I did ), does not justify not following up with their customers.
Product: Debt collection

XXXX falsely claimed I didn't cancel the auto policy. I cancelled the auto policy. On top of that, I already paid in full. In addition, Credit Collection services never contacted me on the phone of address. Even admitting they never called me. They also, admitted they send this false collection to the wrong address. I have a recording if them admitting to both. This should be deleted off my credit report or I will take legal action against both companies for financial harm.
Product: Money transfer, virtual currency, or money service

I would like to be able to scan in documents regarding this situation. 
TD Bank does promotions but they do not carry them out, in my opinion that is fraud on the consumer. They take your money and then they use it but do not do what they said in their promotion. I have sent a letter to the CEO of TD Bank in the US on XX/XX/XXXXplenty of time to get back to me. 
On XX/XX/XXXX, I walked into a TD Bank because of a promotion TD Bank was promoting. Deposit money in a new account and in 90-120 days we will add {$300.00} to your account. That has not happened. The person who opened the account was a vice-presient by the name of XXXX XXXX certainly she should have known what she was doing.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST 4 XXXX ), Consumer Date of Birth : ( Private XXXX XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an Auto loan account Credit Card Accounts and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

Equifax Information Services XXXX XXXX XXXX. XXXX, XXXX XXXX XX/XX/year> To whom it may concern I saw furnishing of multiple negative accounts on my consumer report. I am requesting an assignment contract for validation of the alleged debts pursuant to 15 U.S. Code 1692 ( g ) The accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with the following information The assignment Contract The amount of debt Proof that your company sent me a statement assuming the debt to be valid with proof of tracking I was never notified with the following statement to dispute this debt within 30 days so 30 days is starting now.
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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Pr
otection 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 sent the credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an account listed in collection on my account. The company reporting has yet to contact me regarding the debt. It has been listed since XX/XX/2020 on Equifax. A dispute was filed, they investigated and reported to me the debt was accurate. How can Equifax determine if a collection account is accurate if I was never notified and have not received written notice from the debt collector to verify it??
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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
Product: Money transfer, virtual currency, or money service

Some background : I created a Venmo account in XXXX XXXX. The account had been normal before XX/XX/XXXX. I had only two activities : 1. Venmo offically paid me {$10.00} for bonus on XX/XX/XXXX. 2. I received a payment of {$770.00} from another guy on XX/XX/XXXX. All these two transaction were completed immediately, and the account showed normal. 
What happened : On XX/XX/XXXX, I suddenly received two emails. The first one said my account had been frozen and they need my ID to unfroze it. The second one said the payment of {$770.00} was reversed. Note, the payment had been finished for 4 days, this should be my money. This means they directly transferred my money to another account without my permission. I immediately uploaded a copy of my driver 's license and contacted the customer service. The representitive checked my account and told me this should involve another team and need to wait for 5-7 business days. I said they could verify my account later, but I needed to confirm my money was safe immediately. However, the representitive only said they would contact me later and left without notifying me. Then I had to contact them again. Besides inqury about my money, I also asked to file a complaint against the previous agent. The second representitive also told me I need to wait and he could not do nothing. To my understanding, such customer service we can reach only forwards the case the backend team, they don't have any authority to solve any problems. So I asked to contact people who can fix the problem directly. The representitive still told me to wait. Honestly, It is unbelievable that, as a financal company who directly hold money, the customers can not contact agents who can solve the problems directly. 
On XX/XX/XXXX, I got an email that my account had been unfrozen. But untill now, there is no one contact me about my money, even after I sent them emails multiple times ( this is their recommended way to contact ).
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Dear XXXX XXXX XXXX, I am writing to formally dispute the accuracy of the information being reported by your company to the credit bureaus regarding the account with the original creditor XXXX XXXX XXXX XXXX ( Account # XXXX ). I recently reviewed my credit report and noticed that this account is listed with the following details : Balance : {$250.00} Status : Collection Account Status Updated : XX/XX/2024 This account was fully paid and settled as of [ specific date, if known ], and I believe it is being inaccurately reported as a past-due collection account. Additionally, it does not accurately reflect the updated payment status of {$0.00} owed. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting of all credit-related information. I am requesting that you : Investigate the information reported to the credit bureaus regarding this account. Verify the accuracy of the details, including the current balance and status. Update or remove any incorrect information to ensure the accuracy of my credit report