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

I HAVE STUDENT LOAN/EDU THAT IS LONG TIME PAID OFF AND CLOSED, SOME ACCOUNTS BALANCES ARE INCORRECT THAT THESE 3 CREDIT BUREAUS. XXXX, XXXX, AND EQUIFAX MAINTAIN IN MY RECORDS ON PURPOSE JUST TO KEEP MY SCORE LOW MAYBE BECAUSE I AM AN XXXX XXXX. THEY NEED TO UPDATE MY FILE. THEY ARE SOME ACCOUNTS THAT ARE SETTLED WITH LENDERS THAT ARE NOT EVEN REFLECTING ON MY 3 CREDIT REPORTS. KINDLYACTION NEED TO BE TAKE WITH THESE 3 CREDIT BUREAUS. THANKS.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Past Due XX/XX/year> Equifax XXXX XXXX XXXX Never investigated XXXX XXXX XXXX - Never received any correspondences XXXXXXXX XXXX XXXX - Never received any correspondences XXXX XXXX XXXX XXXX - Never received any correspondences
Product: Credit reporting

I am having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX, XXXX, & XXXX I sent emails to XXXX XXXX and XXXX XXXX requesting for my XXXX as I stated that : Amount written off : {$5400.00} Paid : {$20000.00} principal {$6000.00} interest accrued Contract Total paid XXXX {>= $1,000,000} financed Principal Paid : {$20000.00} 1 ) the vehicle needs {$14000.00} of work done. The vehicle is not worth that amount. 

XXXX ) Ally Financial has written-off the account. The amount owed is for interest and past due charges, not for the vehicle value. 

XXXX ) Spoke with XXXX on XX/XX/XXXX. He said they will not take the vehicle because it would be useless. Also stated, I expressed to them that the vehicle needs to be removed from my property because its a violation within my property management company to have abandoned, unused vehicles for an extended period which will create an expensive fine. 

I will not pay for interest that was written off and the value of the vehicle has been paid already and Ally refused to take the vehicle. 



The XXXX XXXX XXXX has been wrote off since XXXX. 

Please release the title and send a XXXX. 

At this point I will be filing bankruptcy if cant get resolved.
Product: Checking or savings account

Charles Schwab & Co. 
Online Profile Request all accounts closed Identity Theft/Fraud XXXX XXXX XXXX XXXX XXXX Sent certified mail request ; unknown delivery.
Product: Mortgage

My loan originated back in XXXX. During this time both me, co-borrower and the borrower paid our monthly mortgage plus more to our escrow. We did this because our taxes and homeowners insurance was thought to rise. Fast-forward to end of XXXX, I sent Branch Bank ing and Trust a 2- individual copies of our statements from XXXX  County property taxes . Our taxes our 50/50 because we are not legally married. Although BBT received these individual statements from XXXX  County Property taxes office and myself. BBT decided to only pay one and not the other. I disputed this when I found out that my portion of taxes were now placed in Lien status due to this error on their part. Because of this our mortgage extra escrow was depleted to pay my taxes which now increased over 35-40 %. This exhausted our account plus our financial accounts. We were initially required to pay only {$2900.00} and after this occurred, our mortgage payments increased to $ XXXX for nearly 14 months. 
BB & T never admitted to the discrepancy on their end. However, I wrote letters and they later came to the conclusion that they messed up but will not waive late fees, or compensate the error. 

Now 7 years later ( XXXX ), the pandemic happens. I made the decision to request deferral in XX/XX/XXXX to help while our financial circumstances changed. The borrower and I had encountered financial hardship. It wasn't until XX/XX/XXXX when I was informed of TXHAF. I spoke with a representative from Truist, formerly known as Branch Banking and Trust. The representative said I could apply for homeowners assistance but it wouldn't stop negative reporting or foreclosure. I applied for TX HAF in XXXX and my application was processing status. I called Truist Mortgage company almost weekly to keep them in the loop. I received a package from them referring to an XX/XX/XXXX foreclosure. I contacted TXHAF and was told they were waiting for a response from my loan servicer Truist to provide the V-record. I called Truist again to inquire the delayed response that they are causing TXHAF to assist me and the hardship I'm facing but TRUIST gave me the run around. Fearful of being told that I could lose my home I borrowed money from a friend to forward to Truist while TXHAF waited on their response. Fast-forward to XXXX. Truist rejects TXHAF assistance to pay my mortgage for past due payments on my behalf and modified my loan without any knowledge or signatures. Due to this TXHAF informed me they can not assist in which Truist is well aware. For a second time this mortgage company has caused yet another problem, issue, stress, and frustration. I paid with borrowed funds because I did not want to loose my home and I needed the help from TXHAF. Now my mortgage payments will resume in XX/XX/XXXX and I have to repay money from those I borrowed to pay my 7 months of past due payments plus my regular mortgage payments because they caused and are responsible for me being marked ineligible for mortgage assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}
Product: Money transfer, virtual currency, or money service

This email constitutes a formal complaint against Cash App concerning the inadequate customer service I experienced while a user and the subsequent financial damage that resulted from these deficiencies. I was a Cash App user at the time of this incident. 

Around XXXX or XXXX, my Cash App account was hacked. I attempted to contact Cash Apps customer service to report this security breach and request assistance. However, I found that there was no option to speak with a live customer service representative. This lack of readily available support significantly hampered my ability to address the issue in a timely manner. 

Instead of being able to secure my account and reclaim my funds, my account was ultimately flagged and suspended with money still inside. While my account was suspended, I was also held responsible for the fraudulent charges made by the hackers. This led to a significant financial loss for me and resulted in my XXXX XXXX XXXX account, which had been in good standing for almost XXXX years, being closed by XXXX  XXXX XXXX. This closure also negatively impacted my ability to manage my finances and initiated a period of credit history issues. 

I experienced the following losses : * Loss of funds from my Cash App account * Loss of funds due to fraudulent charges. 
* Closure of my XXXX XXXX XXXX account. 
* Damage to my credit history. 

I believe Cash App is responsible for the following failures : * Absence of a readily available customer service representative to handle time-sensitive issues like account hacking. 
* Inadequate security procedures that allowed my account to be compromised. 
* Holding me responsible for fraudulent charges. 
* Suspension of my account with my funds still inside. 
* The subsequent damage to my financial well-being, including the loss of my bank account. 

I am requesting a thorough investigation into this matter and expect a prompt and reasonable resolution to the damages that occurred as a result of Cash App 's deficiencies. 

This includes but is not limited to a complete refund of the funds lost, removal of fraudulent charges, and acknowledgement of accountability for the damage to my credit and banking history.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete this account : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These inaccuracies have a significant impact on my creditworthiness and financial standing. I have attached supporting documentation that verifies my claim and provides evidence to support the inaccuracies identified.
Product: Debt collection

in Late 2012, Performant called me at my job ( XXXX XXXX XXXXXXXX XXXX - EXXXX XXXX  ) on the main XXXX XXXX phone. They asked numerous XXXX, XXXX and other coworkers who I was and where they could find me. 

I had no idea collection companies could be this abusive, and I paid them {$750.00} that they said would be applied to my student loans.
Product: Credit card or prepaid card

I have {$81.00} in my cash back balance. It can not be accessed. It must be applied as a credit to the statement balance if a balance exists. Because interest accrues daily on this account, I must let the balance accrue interest until the statement date for the cash back reward to be applied. This is unlike any other cash back card I have used. The reward does not in any way resemble cash which can be access and used at my discretion. This is not correct advertising. I would like my cash back balance to be transferred in full to my checking account. 

This is the second issue I have had with this card. The first was resolved in part and involved the lack of information surrounding the daily accrual of interest. 

It is my opinion that the practices of Upgrade and the features and advertising around this card are very misleading and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 25 USC1666 B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARDACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I sent an email as stipulated in my agreement that I was revoking their authorization to draft my account. They continued to attempt to draft my account in different methods, both XXXX and electronic checks, once on XX/XX/XXXX, and again on XX/XX/XXXX. I placed a stop payment on my account with my bank and had the items returned. They have now attempted to draft my account again for {$20.00} via electronic check on XX/XX/XXXX. They were not authorized to make any drafts to my account past XX/XX/XXXX. They can not draft my account once their authorization has been revoked, which it was, in writing on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I am writing to notify you that this COMPANY " IC SYSTEM '' is requesting me to pay an unknown account ( The Original Creditor is XXXX XXXX XXXXXXXX ). This debt is not mine, It is fraudulent. 

I will need to help to remove all information about this account that was reported in my credit information.
Product: Debt collection

I received a notice due to a negative item on my credit report. I also recieved a bill from a debt-collecting agency ( CPA ) that stated I owed a bill for the amount of {$1500.00}. This was from XXXX which stated that I opened an account on XXXX XXXX in XXXX in 2014 at which I did not live. When I contacted XXXX they stated several times that my information had been purged out of the system but that the account had been opened with a passport by a woman. This was evidently not me or my account. No contact information for any managers or any persons that could address the situation was given by any of the employees at XXXX. The only way to get through is to call the automated system and explain your way through a new person every time. After being told I would be called back and not receiving any calls I have become very frustrated especially when I have found this on my credit report. Also in order to clear the matter I was told I needed a police report. The police officer told me I needed an affidavit from XXXX in order to file the report but I can not obtain that from XXXX nor can I contact anyone from the company to help me.
Product: Debt collection

Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX  XXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues
Product: Credit card or prepaid card

A unauthorized charge for {$890.00} was made on my account on XXXX which I disputed with my credit card. The investigation made no attempt to contact me for additional information. I did not authorize the charge, have any knowledge of the charge, and did not benefit from the charge in any way. 

I received the results of the credit card services investigation on XX/XX/XXXX stating I received benefit but this is inaccurate. In no way was this charge authorized, I have no idea what this charge was for other than it was from an overseas travel company.
Product: Credit reporting or other personal consumer reports

I have had it with XXXX XXXX XXXX XXXX deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. XXXX XXXX XXXX is not receiving another XXXX from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if XXXX is messing with my account XXXX XXXXXXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know XXXX can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank XXXX XXXX! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of CMS 's response to the complaint on XXXX XXXX XXXX XXXX XXXX XXXX had no right to give my account XXXX XXXXXXXX information to CMS to start with much less have CMS give that information to someone else. XXXX XXXX XXXX  was very capable of providing that information, without CMS requesting information on account XXXX XXXXXXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't ownXXXX XXXX XXXX XXXX XXXX needs CMS to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for XXXX to just give anyone information about an account they have no reason to have information on? And the fact that XXXX filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof XXXX has blocked me from accessing the statement, so I can not do the 100 word statement I have a right to be able to do. Why is CMS responding to a complaint on account XXXX XXXX they do not have, instead of actually responding to the complaint on account XXXX XXXX. CMS is also 100 % aware that XXXX XXXX  is not the " second account '' I was referring to. This is being added before XXXX XXXX XXXX comes up with more lies and fake documents.