23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received my bill in the mail, and noticed I had a total payment due of XXXX, and my payment is XXXX a month. I had medical issues and did fall behind on my payment. I did miss a payment in XXXX, and XXXX, as well as XXXX. They took a payment out for XX/XX/XXXX, they have taken one out for XX/XX/XXXX, and have another to come out on XX/XX/XXXX, which is post dated, and comes out automatically. I was not sent a letter saying that i was in recovery, until i called tonight to see why my whole minimum payment is XXXX. They have my email on file and phone number, I realize my two payments are late, but there is no way I can afford XXXX, nor have they informed if my account will be charged off. I would like to work out a plan with them, Customers should be informed in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX 2021-ok, then XXXX XXXX 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and Experian yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX XXXX they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax about a vehicle repossession that happened in XX/XX/2013 the date of the first delinquency on the original account with XXXX XXXX is XX/XX/2013 and the balance is {$7700.00}. I asked Equifax to review dates and delete account due to the age of the negative credit the estatute of limitations in Massachusetts is ( 6 years ) and this account is approaching ( 7 years ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I appreciate the immediate response of the Experian and XXXX for removing the previous fraudulent inquiries and I am very thankful for that, though as of my recent check in my credit reports, there were these new inquiries that I have no knowledge about. So, today in this complaint I request from Experian, XXXX and XXXX Bureaus to again block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 Credit Bureaus are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Also, the data you provided on some of these inquiries were UNKNOWN to me and were already REMOVED from other bureaus and so I have doubt about the accuracy of some of these inquiries that are still reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a Form 1099-K from a company called Block , INC, f/k/a Square Inc, which is associated with CashAPP. This form indicated that I received/conducted 323 transactions & received payments.

I contacted CASHAPP and was told that I do " they could not help me '', as they can not divulge information regarding this account to me. The social security number referenced on this FORM 1099-K is MINE. I DO NOT have a CASHAPP APP nor did I receive any payments listed in the form. I filed a police report thereafter & received a case number. 

I called CashApp again on XX/XX/XXXX & I was given a link to complete an identity theft report and a link for the police to complete a report. The police told me this is not true, they DO NOT complete such reports. I completed the identify theft form and ensured my credit was FROZEN. 

THIS IS FRAUD and I need help to receive a correction to this FORM 1099-K.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS SOMETHINGS ON MY CREDIT REPORT THAT SHOULD NOT BE ON THERE. I HAVE BEEN DEALING WITH PEOPLE FOR A VERY LONG TIME SO A XXXX XXXX SEARCH AND A GLOBAL WATCHLIST SEARCH SHOULD NOT BE COMING UP ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX  XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A 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: Debt collection

On XX/XX/XXXX i received a letter from my second mortgage company, XXXX, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from REAL TIME SOLUTIONS that XXXX   ( formerly XXXX ) had transferred the right to collect payments from me to REAL TIME SOLUTIONS ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known XXXX  in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit.

On XX/XX/XXXX i received another letter from Real Time Solutions that XXXX  told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) XXXX did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that XXXX did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ...

any assistance will be greatly appreciated!!!
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 5 0.2 have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violations.

1
Product: Debt collection

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in the document. 
According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions. 
Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items. Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated.
Product: Money transfer, virtual currency, or money service

I am a user of Venmo and they sent me an email notifying me of an update of their user agreement. In order to opt-ou, t I must go to their website, download, and print as well as manually fill in a non-formatted webpage. I then must pay for postage and mail the notice to them before XXXXXXXX XXXX,2022. The initial email announcement does not even contain a link to the opt-out, I had to go search for it
Product: Mortgage

I contacted the company for mortgage assistance on or about XX/XX/2022. 

With no reply, I submitted an online request for it and then uploaded all my documents everything 's complete. And the response from the company that they are 90 days behind at that point I would be losing my mortgage. 
I worked very hard to never have a late payment on my credit report since I made from mistakes when I'm younger and this is now the first payment that will be marked late.
Product: Checking or savings account

I was charged insufficient funds fees after I tried to follow the companys policy and made deposits to cover my charges by or before the deadline provided. According to their overdraft policy you have until the next following business day to avoid an overdraft fee as long as your negative balance is under {$50.00}. On XX/XX/23 there was a charge for {$75.00} that posted to my account. I asked for a loan in order to deposit enough funds to cover the {$75.00} the following business day. Got charged {$34.00} overdraft fee on the XXXX anyways, because that day I had other 2 transactions thats posted to my account even though I was under the impression I had until the next business day to make a deposit and cover those 2 transactions. However, since I had been charged the overdraft fee on the XXXX for the one transaction on the XXXX, I gave up. I did not attempt to get another loan to cover the other 2 transactions that posted on the XXXX and got charged another 2 overdraft fees for those as well. Im extremely overextended literally robing XXXX to pay XXXX and these overdraft fees and confusing policy definitely do not help.
Product: Debt collection

I received a notification from Northstar Location Services LLC on XXXX XXXX XXXX informing me that I had not one but two of the exact same debits. According to the letters I received the Accounts Listed were # XXXX and # XXXX. When I received the notification, I sent two requests for verification to Northstar Location Services XXXX. These requests were sent certified mail with return receipt. The requests have the following tracking numbers XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. These requests were signed for on XXXX XX/XX/XXXX XXXX XXXX XXXX form the looks of the receipts. It is now XXXX XX/XX/XXXX and I have yet to receive a verification response for my request, and I am now receiving phone calls and letters from Northstar Location Services LLC stating that I have 30 days to dispute the validity of a debit which I have already disputed, and they have not responded or supplied any type of verification for. It was my understanding that they are to not call or attempt to continue collecting on a debit which they nor I can validate. It makes me wonder how many times I have to send a verification request that they keep signing for? Please assist me with this nightmare that has lasted for over 6 months now. I appreciate any assistance with this matter. Thank you!
Product: Credit card or prepaid card

My Bluebird Prepaid Debit Account issued by American Express Travel Related Services Company , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX are holding my money and preventing me from paying a bill. They are going to cause me to be late, and if they do they should be made to reimburse me for the fees I incur. Tonight I spoke with a XXXX and a supervisor XXXX until XXXX XXXX who would not pay the payee I needed to pay through the system on their end. They both could see that my account had {$310.00} and told me they are not a credit card company and can not pay the payee for me. They also had me clear cache, data & history from both my cell phone and PC and attempted to tell me that it must be the payees issue?! This payee was paid previously without issue. This is a third party to the transaction and simply wants to be paid. The response given by XXXX a supposed supervisor makes no sense! I asked them both to take the block off of my account on their end & release my funds so that I can pay my bill. I asked that they stop playing games with my money. I can not for the life of me understand why I have to reach out to the CFPB with companies that simply will not just do the right thing for their customers, and for what reason? Isit that they simply want to hold their customers money a little longer to collect the interest accumulated? Make it make sense please. They have my money let me pay my bills with it this is so stupid it's beyond words.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report from Equifax and identified the following inaccuracies : Account Type Misrepresentation : The account from XXXX XXXX XXXX is listed as a Revolving account, which differs from the descriptions on my other credit reports. This inconsistency may lead to confusion about the nature of the account.

Charge Account Mislabeling : The account description also includes the term " Charge Account, '' which could imply a charge card where the balance is typically required to be paid in full each month. However, the lender operates more as a revolving credit line, which is not accurately reflected in the report. 

Actions Taken : I reviewed my credit report and identified these discrepancies. I have also ensured that the account has been paid in full. 
I have contacted EQUIFAX ( dispute letter ) regarding these inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : ONEMAIN Inquiry Date XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile I discovered three credit inquiries that I do not recognize that are being reported by Experian. According to FCRA, I am able to receive a proper investigation of what I believe to be as fraudulent activity being reported on my credit report which can in return do damage to my credit resulting in thousands of dollars. Please investigate the following three inquiries below that are listed as such on my Experian credit report : XXXX  Inquiry Date : XX/XX/2020 XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 After a fair and thorough investigation, I would like all three of these inquiries deleted.
Product: Checking or savings account

I received an email from Bank of America claiming I opened an account but I didnt. I attempted to contact them but I was not able to speak to anyone without an account number.
Product: Credit card or prepaid card

I sent XXXX XXXX to Discover Secured credit card to establish credit. They Never opened me an account and claimed they could not verify my information and took my XXXX for 3 months before giving it back in the form of a check. They are reporting a closed account that they never opened. I have challenged this on my credit report as it is impacting my report negatively.This was done to my husband as well.
Product: Credit card or prepaid card

The action that I took was I first call the credit card issuer company ( Citizens Bank ) and dispute all my charges that I didn't regonize and ask them to cancel my credit card on XX/XX/2020. The amounts is for {$7100.00} The credit card company went through one by one trasnaction and dispute the one that I didn't regonize, the person told she will mail me a new statement with the transaction that I had made and issue me a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, Experian, XXXX and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023 I submitted an online order to purchase liquor through the web site " XXXX XXXX' ( the web site is no longer active or viewable ). I paid {$260.00} through Venmo for the order. The product was never shipped and communication with the vendor went mostly unanswered although on one occasion a representative said the order was " delayed. '' It became clear that the " seller '' was fraudulent when nothing was shipped and all communication from the seller ceased. I contacted Venmo to file a dispute and request a refund, but Venmo denied this request on XX/XX/XXXX. Although Venmo sent my funds as I directed, I believe Venmo knew, or had reason to know, this merchant was fraudulent. I was able to find several complaints online of others who were scammed by the seller in the weeks prior to my purchase. I also made complaints to the international internet registrar organization on XXXX XXXX to " openprovider.eu '' which, based on my complaint and others, parked or shut down the web site within hours. Venmo should have taken reasonable action to prevent the seller from using Venmo, or at least temporarily suspend the seller 's account, but seemingly did not.
Product: Mortgage

In XXXX, NewRez aka XXXX, claimed to have sent a check due to esrow overage. Check never received. In XXXX I reached out to them with no resolution. I reached out in XXXX with no resolution. I am loosing interest on this money and am ready to pay off my loan but fear I will never see the funds owed to me. 
XXXX XXXX