23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been sending {$500.00} via XXXX to Ms XXXX XXXX every two weeks for the past 5 months .With that say, Ms XXXX XXXX name is already listed on my XXXX account.. I do not have to search for her name neither type it when i have to XXXX the money. On XX/XX/XXXX, I sent the {$500.00} as usual via XXXX. Ms XXXX called me to report that she never receive the money on Friday XX/XX/XXXX. I told Ms.Pierre that it is very strange. The money was deducted from my account and it has showed " Delivered '' .But Ms.Pierre did not received the money. Therefore, on Saturday XX/XX/XXXX, I contacted my bank J.P Morgan CHASE and I speak with an agent who told me that I did everything right but he saw that the money was delivered to a different number of a person that have a XXXX XXXX account. Ms XXXX does not have an account with XXXX XXXX. She uses J.P Morgan Chase .The transfer supposed to be from Chase to Chase bank. The agent connected me with XXXX online to assist me in that matter. XXXX online agent told me to wait for ( 5 ) business days to retrieve the {$500.00} from that other number. About ( 6 ) days, I do not hear from XXXX XXXX, I decided to call them. The answer that I get from XXXX is they are sorry because they could not get the money back. I work very hard for my money and it is very difficult for me to lost {$500.00} just like that in that time of crisis.. The money was deducted and delivered .I want to know to whom? /. Please help me in that situation. I really need the {$500.00}. Thanks for your assistance in that matter.
Product: Checking or savings account

I open the checking account with Bank of America in 2015 and they close my account without letting me know what 's going, all they said because I deposited one of my cousin check into the account. And their account was close before it arrive me or the day I was deposit, they realized that I was deposit already. But I did n't. Because my cousin switch bank to credit union. So they close they account after the check arrive to me. So Bank of America close my account and sending to XXXX XXXX XXXX XXXX which I do n't know what was it. So I ca n't open the account any where else because they said I owe them. My direct deposit from my employer always come every 2 weeks.
Product: Mortgage

On XX/XX/XXXX, I was informed that my monthly mortgage starting in XXXX will be increasing due to property taxes by $ XXXX. However, as California has Proposition 13 in place ( which only allows a 1.00 % /year tax raise ) I believe that XXXX XXXX recorded at XXXX PST ) was misleading me as he is in the state of Utah and assumed that Utah State Law carries the legal / financial weight of this situation. This is WRONG- the loan and the transaction originated in California so the jurisdiction for the loan is in California ( with Prop. 13 in place ). Since my taxes and insurance are in an escrow account managed by SPS Financial, I believe that the company ( SPS ) is overcharging me immensely. To wit, when my loan was first modified by XXXX over ten years ago my monthly mortgage was ( and still is ) $ XXXX and the taxes were ( and still are ) $ XXXX - how is this bill so high then?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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.
Product: Payday loan, title loan, or personal loan

Company failed to provide a 30 day notice of insertion with the ability to dispute or a dunning letter. Reporting company has re-aged the alleged debt to extend the amount of time in which they are able to collect funds. They have also been reporting two different balances per FCRA any details they report must be accurate and if not that is grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts are being improperly reported by 3rd party credit reporting agencies. I do not give consent for the debtors to report any payment history or account statu 's to any credit reporting agencies.
Product: Debt collection

I have been talking to this company for two years telling them thet it is not my debt they have even admitted on the phone it is not my debt but i still had to pay it. And after doing further research on this debt i have found this company to be violating the fair debt colection practice and XXXX stateLaw ors XXXX which states that a collection agency after 6 years can not take a person to court a file any. Our file any court case. And since acording to them this is a card from XXXX. This company has also file false court document to XXXX county statting that a garshment placed on my checking account did not produce money that is a lie my bank sent them a check for XXXX. Also even thought they have know that i live in the state of XXXX for the last XXXX years they still file all documents in XXXX county in XXXX and on most paper work they try and put XXXX XXXX instead of XXXX.
Product: Debt collection

This is an over 8 year old debt from XXXX being handled by a collection company called Unifin. They say they will not report it to the credit union but it still shows up on my credit report. How can I get them to stop reporting after they say they will not do it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting a chargeoff on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I was in a local music store that was offering 24 month same-as-cash loans through a company called Tower Loans : Tower Loan XXXX. XXXX XXXX XXXX, MS XXXX When my application was reviewed I was told that they weren't going to bother submitting it because Tower denies all loans to military members. I contacted their local office and was told that they're unwilling to cut the interest rate if I deploy, and when I pointed out that it was supposed to be an interest free loan they told me that it's a corporate policy and there was nothing they could do about it. 

Are they able to discriminate against me because of my military status regardless of my credit score and ability to pay back the loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/XXXX. I have called Experian several times. 

1. On XX/XX/XXXX, I sent a handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/XXXX, I sent another handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

3. On XX/XX/XXXX, I sent a third handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

4. On XX/XX/XXXX, I sent a typed letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 3 handwritten letters and one type notarized letter ( all certified mail ) disputing incorrect addresses on my credit report and Experian has failed to delete the addresses.
Product: Debt collection

I keep getting calls and texts from this company stating I owe some type of debt every single day. I do not have any debt with HARRIS & HARRIS , LTD.I do not have a contract with HARRIS & HARRIS , LTD . They did not provide me with the original contract as requested.I have blocked them multiple times and the call from different numbers. I have received nothing in the mail stating that I owe any type of debt. 
This is a Violation of my privacy rights of 1974 I am tired of pain and suffering that you keep putting me through.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$64.00} XXXX XXXX XXXX Balance : {$53.00} XXXX XXXX Balance : {$19.00}
Product: Debt collection

XXXX XXXX XXXX filed XX/XX/XXXX. XXXX XXXX included. XXXX XXXX. 
XX/XX/XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX issued. 
XXXX picked up by lender. 
Letter dated XX/XX/XXXX received claiming debt was written off XX/XX/XXXX and amount may be taxable. 
XX/XX/XXXX IRS form 1099-C received for {$65000.00}. 
XX/XX/XXXX called Santander and told them this was an old debt that had been discharged in XXXX XXXX  and gave them the case number. They said they would look into it and I was instructed to call them back in 2 days for their decision. 
Called back XX/XX/XXXX. Gave Santander the information again. They told me to email copies of the letters they had sent and they told me to call again in 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I asked that experian fix that address on my report as it was showing 3 incorrect addresses with the way the numbers were put in an order. I told them what the address should be. They took off all addresses and now i can't pull a report with even my membership with experian. My letter was very explicit and also needed 4 inquires removed. Instead. they sent a message to my XXXX XXXX  XXXX XXXX credit card to be blocked and they closed my account. XXXX???? HOW CAN THEY DO SOMEONE THIS WAY AND I NEVER AS YOU WILL SEEE ON THE DOCUMENT ASKED FOR THAT.
Product: Payday loan, title loan, personal loan, or advance loan

I Bought new windows for my home. I financed them through ally bank. They dont listen well. Im not paying a late fee. I am one person taking care of my XXXX XXXX. The budget is tight. I pay my XXXX every single month. The issue is this company wont move the loan to a different due date. My mortgage is due on the XXXX. Im not missing a mortgage payment for this bank. I was a few days late. They charged me a late fee. They wont remove it I refuse to pay it. They wont move the loan. Ill be damned if Im going to pay them any extra for not extending courtesy. Now that I refuse to pay it. They just keep adding more on. Now Im considering getting a lawyer and suing them. Ive had it with them calling and demanding an extra XXXX dollars I need to buy supplies to take care of my XXXX. Im not rich. This bank is taking advantage. I also believe they are in violation of New Jersey law by not giving me a new due date which I requested. Late fees now totaling XXXX dollars. You cant charge a late fee for a late fee. Its not legal.
Product: Credit reporting

On XXXX XXXX I requested my XXXX free credit reports from this website and I was not able to get a report from Transunion. I was able to get XXXX and XXXX but not XXXX. After 2 days of calling I still am not able to access my Transunion report, the agency will not provide a digital copy and I have an already existing issue of mail fraud at my residence. It has been 5 days and I am still not able to access my credit report and after several phone calls the customer service is unable to do anything. Effectively I am locked out of my Transunion credit report, unable to correct errors, which there has been on my other XXXX reports, or access my report by any other means other than regular mail. If mail is the only means of getting my report then there will not be any ways to correct the report, which is n't verifiable. I want to access my report online just like I did for the other ones. I have called XXXX different times and spoke to multiple reps that bounce me around and do not help or hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I filed a dispute using XXXX XXXX with sprint/ convergent outsourcing over 30 days ago with no response. I asked for original documents and valid dates and i have gotten nothing. I spoke to 2 different ppl today 1 could not find this debt using my social security number. Then hangs up I call back second time manager comes on and poof debt is found and according to them they have now located the information and have proof but never gave it to me. I would like to get this removed off my report. they did not fulfill my request in a timely manner nor have they provided any proof via email that they have on file.
Product: Mortgage

I was having trouble making my mortgage payment so my lender XXXX XXXX offered me a forebearance plan which I paid on time for a year. Then I was offered a trial modification which is XXXX payments, i have stcessfully made XXXX payments while working with XXXX XXXX. My loan serviceer is Loancare. I called yesterday and spoke to XXXX who told me that even thou I 've been making my payments as agreed upon with them they are reporting that I 'm late whichever will continue until I sign the final loan modification. This is unfair and I have done everything that they have me to do. No one at Loancare has told me that they are reporting me as being late. I am requesting that they remove all of the late payments as I was n't told about this from the beginning and now my credit report has taken a huge hit. I thought that they were helping me not penalizeing me because I could n't pay my original payment in full as I had lost my job.
Product: Credit reporting or other personal consumer reports

I am doing a follow up regarding this inaccurate reporting that occurred in my credit report. Per FCRA section 605 you are required to remove any items listed on an XXXXXXXX XXXX XXXX # XXXX. Ive already included this issue in a previous letter and report, & I am including it again here with a new FTC report # XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged incorrect reporting activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting

I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. This account was paid in full and on I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights. 

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

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights.

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus to have these accounts removed from my credit profile : 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 have not received any verification of debt or reply. Company violated the cease and desist by reporting any proof of debt or signed document by me that validates the debt and it's been over 90 days. Laws in 15 USC 1692 have been violated by the company 's actions and I request you to remove these negative accounts from all bureaus IMMEDIATELY! I will be looking to file an suit and complaints with FTC because my rights and livelihood has been affected by their actions.