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

XXXXXXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. 

How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report XXXX, XXXX, Equifax60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Mortgage

Ditech Financial along with their attorney XXXX XXXX XXXX, XXXX. have filed foreclosure on XXXX 2014 base on payments not being made for the month of XXXX 2014. I have documents showing that payments were in fact paid but credited to XXXX XXXX. Invoices showing excessive fees which led me to fall behind based on the XXXX 2014 payment. I understand that Ditech Financial was formely Green Tree, however the practice is still the same. The Lawsuit Settlement of XXXX proves how dishonest this company is. I have equity in my home causing me to feel that they are trying to take my house to put towards paying their settlement. I have questioned their accounting method in which it shows over {$26000.00} of misapplied funds still they refuse to answer. I have also filed a Pro Se Motion of Discovery which they have still not completed. XXXX XXXX XXXX, XXXX. has also filed false documentation stating that Greentree/Ditech Financial are in possession of the Original Note and that it is in the Counsel 's office.
Product: Debt collection

IVE NEVER RECEIVE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE OF PROOF OF SERVICE
Product: Money transfer, virtual currency, or money service

Binance US disabled my account on XX/XX/2022. I can't log in neither can I trade. I have {$6900.00} locked in my account that is rightfully mine. I also lost my money on XXXX XXXX to a scammer. I'm doing my best to protect my {$6900.00} in my Binance US account. They are not working with me to resolve this case and it's been a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMG Money is reporting inaccurate information to the credit bureaus. I have ONE loan with them, and my report shoes TWO active/open loans, which is increasing my debt to income ratio on my reports. I've contacted them several times. In XX/XX/2022 they asked me to email screenshots of the discrepancies, I did. 5 months later in XX/XX/2022, the same loans are being reported! I called and talked to a XXXX named XXXX, she hung up on me, and never called back. 

It's extremely disappointing they are not interested in addressing this. This is negatively affecting my credit, and I need it taken care of expeditiously.
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, credit repair services, or other personal consumer reports

I have a lawsuit pending for damages against XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX. Take of your list and out of your database now. I am with XXXX and going to get you ASAP unless you resolve this Now!!! Thank you for your Time... 

I can and will prove that XXXX ( Committed Fraud ) and XXXX XXXX  XXXX XXXX Committed Fraud XXXX, XXXX XXXX ( Fraud Class Action Lawsuit already settled ), and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Fraud Class Action Lawsuit already settled )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an old XXXX card on this report and I do not understand why as I have a current account with them that is in good standing. I have never closed an account and opened a new one with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a security freeze on my account. I needed to verify my identity but was unable to because Experian had not lifted my freeze. I have called experian 5x now- have talked to multiple supervisors, upload documents. and my account still has the freeze in place. I have asked experian to lift all freezes/holds so that they are not holding up verification but have not been able to achieve success.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I shouldnt of hadto go through this knowing that I was scammed out of my money and not able to get it back Zelle did not protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My FCRA rights being violated by TransUnion.
2. Part One- TransUnion removed my inaccurate hard inquiry 's ( good ) Part Two- Transunion added the inquiry 's back onto my credit report without the 5-Day notification required by FCRA.
3. Contacted TransUnion three times my mail, twice by phone and they refused to assist me.
4. TransUnion is the company my complaint is about.
5. I am involved, three different investigations and twice a woman supervisor named  XXXX .
Product: Mortgage

I have documents and payment proof for every single transaction. 

My mortgage was merged over to Select Portfolio Servicing Inc on XX/XX/XXXX. 

In XXXX I paid a grand total of {$74000.00}. 

In XXXX I paid a grand total of {$330000.00} From XX/XX/XXXX - XX/XX/XXXX I paid a grand total of {$410000.00} I tracked all of this day to day in order to avoid all interest charges that were associated with this mortgage. 

On XX/XX/XXXX - I received my payoff statement showing that I overpaid my mortgage by {$48.00}. And Select Portfolio Servicing Inc. owes me {$48.00}. 

On XX/XX/XXXX my mortgage as officially Paid In Full with a XXXX balance. 

On XX/XX/XXXX I received my official XXXX balance Letter / Paid in Full Statement from Select Portfolio Servicing Inc . 

On XX/XX/XXXX I received my official Mortgage Statement from Select Portfolio Servicing Inc. showing that my mortgage is Paid in Full with a {$0.00} Balance. 

On XX/XX/XXXX, I finally received my full payment history showing all payments bringing my Mortgage to a XXXX balance {$0.00} Then, out of nowhere, I log into my Select Portfolio Servicing Inc. online account XX/XX/XXXX, and it shows that I magically have XXXX ( XXXX ) DIFFERENT MORTGAGE BALANCES as of yesterday Monday XX/XX/XXXX. 

The XXXX  ( XXXX ) different balances show the following : The XXXX balance shows that I have a principal balance of {$0.00} ( XXXX cent ). 

The XXXX balance shows that I am due a credit of {$180.00} as I overpaid my Mortgage on purpose to avoid interest. 

And the XXXX balance shows that I have a XXXX Balance / Paid in Full Account at {$0.00} This is where EVERYTHING becomes so suspicious, fraudulent and just outright nasty. 

After speaking to someone for over 35 minutes by the name of " XXXX '', they finally connect me with " XXXX XXXX '' who explained that yes I have a principal balance of {$0.00} and that this account will come to a close and be updated and marked as Paid in Full as of today XX/XX/XXXX. 

XXXX XXXX promised to call & no call at all. 

Then I log into my Select Portfolio Servicing Inc. account today and they have the AUDACITY to state that I now have a Mortgage Balance due for {$4700.00} and now my monthly mortgage payment went from {$2400.00} to {$98.00}???!!!! 

This is outright fraud, this is completely illegal, they refuse to show me any proof or documents and I will not stand for it. 

Just to prove them wrong and show them how illegal it is what theyre doing, I set up an automatic payment for {$4700.00} that will be paid tomorrow morning, XX/XX/XXXX. And I sent another {$10.00} wire transfer dated for today as Select Portfolio Servicing Inc. last payment always has to come via Certified check or wire.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a {$200.00} XXXX  card from my parents ending in XXXX to Best Buy. I tried using that card on XX/XX/XXXX ( see attachment ) to buy a set of XXXX XXXX XXXX, best buy order number ( # XXXX ). I selected courier shipment for same day delivery. My order was not delivered. On XX/XX/XXXX I received an email stating that my order could not be delivered and it was returned. See attachment for email and receipt for return transaction taken place on XX/XX/2022 at XXXX. 

Note the email states : " Unfortunately, XXXX was unable to deliver your package so they're returning it to us. 

We'll begin processing your refund for the item ( s ) included in your package as soon as we receive the return. For more details, see the What You Need to Know section below. '' Then under the " What You Need to Know section '' it states : " If you used a Best Buy gift card, it will be credited with the refund amount ; if you no longer have your gift card, contact us and we'll send a replacement '' The original gift card ending in XXXX has a balance of {$0.00}. 

On the return receipt it shows that a gift card with {$200.00}, ending in XXXX, was issued. This return was performed by the store, I was never there ( as I elected courier shipping via XXXX ). 

I tried contacting best buy customer service ; they stated I had to contact a third party at XXXX. That third party could not find the order using the full XXXXXXXX XXXX card number ; they said without the original order number of the gift card they can not help me ; I do not have this as it was a gift. I tried calling Best Buy 's XXXX  card center at XXXX. They state that without the original order number they could not help me ; they could not look up the order with my email address as the recipient. This is rather frustrating and I feel Best Buy is harming consumers by requiring a gift card recipient to have the order number for the gift card, it's a gift! Why would the recipient have that!? 

I find it very frustrating to be pushed from XXXX call center to the next ( XXXX in total ) and no one can help me. I feel like someone at the store issued a gift card ending in XXXX to someone who was not me and stole the {$200.00}.
Product: Student loan

SALLIE MAE AND XXXX XXXX IS FULL OF XXXX! they dont want to help at all they just care about getting their money even if you are in a financial struggle, unemployed or just dealing with a financial hardship and not able to make monthly payments. i called XXXX XXXX asking to lower may monthly payments the guy gave me no better options except just pay {$220.00} a month then get 6 month forbearance but it makes my overall loan amount way higher. i tried explaining that i cant pay the XXXX but he ignored ne and would n't listen all he kept saying was i could just pay that amount. i wanted to lower my payment or try deferment but sallie mae and XXXX XXXX dont give you that option!. i owe XXXX per month for sallie mae for 12 months then a bigger amount and they refuse to help me lower my payments. im unemployed and my family is in a financial crisis but they dont care. i owe sallie mae about 44.241.76 and XXXX XXXX  XXXX but i cant make payments at this time. and its not fair that only know college tuition is free!!!!
Product: Checking or savings account

Bank sent consumer a personalized cash offer payable into a newly originated checking account upon completion of certain terms. Consumer completed these terms by depositing more than {$4000.00} in payroll and ordinary income to newly opened account within 90 days of origination but was not subsequently credited bonus of {$300.00}. 

Attached are relevant documents - " statements '' contains pdf statements with relevant deposits indicated with black circles XXXX XXXX bank sends account welcome document confirming aforementioned bonus terms XXXX XXXX consumer contacts bank via post with account inquiry about missing {$300.00} XXXX XXXX  bank responds via post declining to credit account stating that terms not met
Product: Payday loan, title loan, or personal loan

Revoke my authorization to debit my account
Product: Bank account or service

I previously submitted a claim : Case number : XXXX. I was not happy or satisfied with Wells Fargo 's Response. They did not address the issue, the only sent me letters explaining the way my account was set up. Never addressed the information protection violation that wells Fargo engaged in when the shared my information with others. Me and my wife have been recovering from XXXX and it was difficult to respond earlier. I would like wells Fargo to admit what they did was wrong, issue a real apology and a solution to recover and correct the financial loss we have incurred due to the sharing of our private information with others. We have been receiving phone calls, emails, as well mail, that seems to be a direct result of information sharing.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$2300.00} / XXXX/XXXX/2022
Product: Credit card or prepaid card

My new Chase XXXX credit card has declined charges numerous times. On XX/XX/2021 I went to XXXX XXXX XXXX to make a purchase but my credit card declined the transaction I was HUMILIATED in front of everybody. I called chase and spoke with a representative in the fraud department and verified information to show it was me attempting the charges, they unlocked my card and told me I wouldn't have a problem processing the transaction next time, so I went back to XXXX XXXX XXXX and attempted the transaction again and it was DECLINED, HOW HUMILIATING. I opened the credit card in response to a promotional offer that requires me to spend {$4000.00} in 3 months to earn XXXX bonus points. Because of the bank 's frequent charge declines, it appears to be a willfully intent to mislead and or deceive the consumer I may not be able to spend the required amount to receive the bonus they promised in the credit card contract.
Product: Debt collection

Asked XXXX XXXX XXXX XXXX to stop calling my cell phone repeatedly 5-6 times daily. After that I started getting a the same calls from XXXX XXXX XXXX XXXX now showing up as unknown caller with no number sometimes 10 times in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has inaccurate data on my report partially from their own mistakes and the other from XXXX XXXX for reporting a payment late that was not. 

Transunion 's Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to Transunion were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

Transunion also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

XXXX reported inaccurate information 5 years ago and Transunion does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXXcu ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXXcu ( XXXX ) 5 ) XXXX Fcu ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXXXXXX XXXXcu ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX Bank ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX Bank ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX ( XXXX ) 15 ) XXXX ( XXXX )
Product: Credit card

My credit card account with Target has been locked for 2 months ( that I know of ) and no one seems to know why. I do not have a balance on the card and I am not late with payments. I was told to contact the 3 credit bureaus to have them life a fraud alert, so I called and only 1 had an alert and has lifted it but my card is still locked and not usable. I called Target back to let them know and they told me that there is nothing they can do on their end. I like shopping at Target with my card and getting the benefits from it but I'm going to close my account if I can not use it. Can you help?
Product: Debt collection

I checked myu credit score and discovered this from a supposed 2018 incident. 
I have not received ANY bill or notification This was supposedly paid by a charity after I gave them {$35.00} for processing I don't know who these perple are. 

THIS IS FRAUD
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but trans union is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.
Product: Credit card or prepaid card

For months I have not received my credit card statement and when attempting to access my account my password is invalid. When I attempt to reset my password Im told an email address is not on file. Ive called them every month to have the email address back but it keeps disappearing off my account. Destiny Card Services Bank will not let me speak with to technical support and they keep charging me late fees and reporting my late because i told them XXXX make a payment when I can see or access the bill. Ive been told they are not allowed to remove my any information off my account but it keeps disappearing.
Product: Debt collection

ITS DEBT FROM MOUNTAINRUNSOLUTION FOR XXXX, I SOLD ONE POPERTY IN XXXX XX/XX/2011, THE COMPANY I SOLD THEY HAD ACCICEDENT IN THIER PROPERTY, PROPERTY FULLY DAMAGE, THEYGOT MONEY FROM THEIR INSURANCE COMPANY BUT THEY NEVER XXXX WITH XXXX WITH SECURITY SYSTEM COMAPANY, NOW AFTER 10 YEAR THEY SECURTITY COMPAY FIND MY NAME IN RECORD AND TRY TO CHARGE ME THAT AMOUNT, I ALREADY SEND THEM MY BILL OF SALE AGGREEMENT WHIC IS CLEARLY MENTIONED THEY PEOPLE WAS RESPONSIBLE FOR ANY UTILITIES BILL, I SEND THEM ALL PAPER WORK TO THEM BUT THEY STILL PUT ON MY CREDIT, MY SCORE BECOME XXXX FROMXXXX  THIS CHARGES SPOUSE TO PAY BY NEW OWNER BUT THEY TRY TO CHARGE ME SO PLEASE HELP ME