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

I began disputing the validity of the reporting on XX/XX/2019. I have sent 2 letters directly to the credit bureaus and 1 directly to the lender with no avail. Regional ACC Account number XXXX is being reported as a voluntary surrender. This account was paid in full by me and a free and clear title was issued. I am not sure why the Creditor is informing the bureaus it was surrendered but this is completely inaccurate and I have sent several complaints but the inaccurate information is still being reported. This is damaging my credit and preventing me to qualify for any future auto loans with decent rates because it looks as if I have a reposession when I never had. The least that can be done is to correct the reporting or completely remove this account from my credit profile. You have done enough damage thus far and I feel that would be a fair compromise rather than the {$1000.00} I am entitled to for a FCRA violation. Thank you for your time and Ilook forward to the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries being reported by XXXX, XXXX and Transunion were not authorized or with my consent. This is a clear violation under the FCRA sec 604. 


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
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. I also had fraud on my account on XX/XX/year> and couldnt speak to anyone to resolve the matter.
Product: Credit card or prepaid card

I have had my Citi card for probably almost 20 years at this point. Lately I have been using them for 0 % balance transfers. I transfer the balance and then pay it off when the promo rate expires. I have done this at least 3 or 4 times now at this point. In XX/XX/XXXX when a balance transfer promo was expiring I made the extra payment to Citi and messaged them to confirm the payment of {$1600.00} ( the balance transfer balance was {$1500.00} ) would be applied correctly to that balance. I was told that it would, the rep even offered to refund back a small amount of interest which had accrued on that balance. I said, no worries, as long as the payment was correctly applied I was fine. It was not correctly applied. It was applied to some other balance which did not have the higher APR rate. I noticed a couple months later when I was being charged 24.49 % on this still outstanding {$1500.00} amount. I called Citi several times explaining the issue. They told me they were opening up a " case '' but they could never give me any case number so I had to constantly re-explain the issue every time I call. They never have any answers and tell me to either check my statement or wait for communications. I called today to check in and the rep, again, had no idea what I was talking about. I got so fed up I told them I wanted to dispute the interest charges that have been accumulating on that balance since my payment was applied incorrectly. We went around and around on the phone and the rep said they could not refund or dispute those interest charges until the entire balance of my card $ 5k was paid in full. I told her I could not pay that now and that I still wanted to dispute those interest charges. I made the payment on the {$1500.00} balance ( who knows if it will be applied correctly ) and continued to ask for a refund or dispute the charges. I finally asked for a supervisor which she placed me on hold for, came back in, said the supervisor was there, no one answered and then the phone disconnected. This is unacceptable and I have been more than patient while they looked into their mistake. I do not even think there was a " case '' open. I believe this is deceptive and at minimum I should get the {$9.00} charged on XX/XX/XXXX, {$29.00} charged on XXXX, {$32.00} charged on XXXX, and {$34.00} charged on XX/XX/XXXX refunded back to me. I have not received the most recent statement for XXXX, but that will probably be even more. This is predatory practices and deceptive for consumers.
Product: Checking or savings account

I have not received my {$100.00} bonus for the Savings Offer promoted by Marcus ( By Goldman Sachs ) in XX/XX/XXXX. I enrolled in the offer on XX/XX/XXXX and initially had a transfer of $ XXXX from a Marcus XXXX. Since this was from a Marcus account and would not have qualified for the offer, I withdraw the money and deposited the required $ XXXX by the deadline from a separate account. I kept the money in for the required 90 days past XX/XX/XXXX. 

I contacted customer service but the representative named XXXX was not able to understand and help with the issue.
Product: Checking or savings account

Received a text message your account has been placed on hold. Please verify your information to regain access XXXX XXXX XXXX 

I do not have an account with any CBNA bank or otherwise. 

I did not respond to this text
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which XXXX include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Mortgage

We have had a very difficult time with Select Portfolio Servicing ( SPS ). We had to file a bankruptcy to avoid a foreclosure. We are finishing up with the bankruptcy and SPS has given us a modification. The modification payment went up {$2400.00}!! We understood that the payment may be higher but the not that much. We asked SPS why the payment went up so much, and they said they didnt know. SPS also would not tell us how much went to the principal and how much went to interest. SPS would not tell us the interest rate and we have to take this modification. Very important to know. We are NOT PAST DUE on our mortgage. Our bankruptcy caught us up. We have confirmed this with SPS. How is this legal? This seems like predatory lending practices!!
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase Inc in XXXX 2018. Since then i have been investing in Bitcoin. Now, 4 months later Coinbase Inc has put a freeze on my account stating that I must verify my identity. AGAIN. I did this at the time of account opening. I have tried at least 20 times, followed Coinbase instructions, contacted customer support ( only way is email ). 

Coinbase Inc 's actions of putting a freeze on my account is unjustified, illegal and is costing me a lot of money. This is not what they advertise. I must be able to buy and sell bitcoin as I choose, when I choose, as they coinbase boasts. The freeze on my account must be removed. Coinbase Inc 's Identity verification software/app does not work. The customer should not be punished. I am who I say I am and have provided the documents to prove it. For Coinbase to take my money, then freeze it, and state that it is my duty to fix it is preposterous. And customer support at Ccoinbase is unacceptable by any standard.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit score came across inquires that I didn't reconized and did not authorize.tried to contact company. no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XXXX came to our home to give us a quote on a new bath. Gave service rep our personal info to get pre approval for a loan. Got approved for a certain percentage. I turned it down. Got a notification from my credit report a credit card was opened in my wife and I 's name. We never approved for them to do this, a credit card was never even mentioned. The sales rep even opened the card in a higher amount than we even needed. This happened XX/XX/XXXX. I have called the company to talk to thesales rep, but they never get back to me on the issue.
Product: Mortgage

MY NAME IS XXXX XXXX XXXX. I OWN THE PROPERTY ON XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX ( DECEASED ) AND XXXX XXXX XXXX HAD A LOAN IN XX/XX/XXXX ON THIS HOME. THIS LOAN WAS PAID-OFF IN XXXX BY EMBRACE HOME LOANS. WE NEED ADVANCED FINANCIAL SYSTEMS TO VERIFY THAT AND SEND A SATISFACTION LETTER TO XXXX XXXX IN NORTH CAROLINA SO WE CAN HAVE CLEAR TITLE AND SELL THE PROPERTY. PLEASE COMPLETE THIS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I sent in A copy of my checking account statement, it shows that there was no late payment for XX/XX/year> and XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. 
XXXX HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
XXXX XXXX Inquiry :XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact information.
Product: Credit card

On the date of XX/XX/XXXX I noticed a weird email from my credit apps saying I opened a new card with a lender. I quickly checked my banking apps and realized it was from american express. I was unsure and confused since I didnt sign up for any amex cards recently and for a long time. I looked through once again and noticed it was a new card design for my existing current amex personal card. On the date of XXXX XXXX I had lost my amex personal card copy and requested a replacement and after seeing the new inquiry I then realized I accidentally clicked on the new design instead of the existing gold design. I quickly reached out to the american express line and expressed my concerns. They proposed to me that the inquiry would be removed as soon as possible as it was an accident and was caused by me seeking my current amex gold replacement copy. I am writing this complaint on XX/XX/year>, and still have yet to get this accidental inquiry removed.
Product: Credit reporting

XXXX is reporting inaccurate information in reference to XXXX XXXX account. I have disputed this account previously and it was deleted then later appeared. I contacted XXXX requesting information from the original creditor so that I could reach out to them, since I have n't done business with XXXX since 2006 and this gym is no longer located in my area. To date I have yet to receive anything from this company justifying as to why this old account is being reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about my information being in the XXXX data breach so I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The incorrect addresses are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, FL XXXX XXXX 

The incorrect names are : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and there is XXXX XXXX XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. 
They told me, it was a account that was canceled by the government. 
But it is on my credit score, and it is hurting my credit score. 
Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.
Product: Prepaid card

I purchased this American Express prepaid gift card from XXXX  and the card will not work at all. The card says it's activated, but every purchase gets declined. It won't even let me put it into XXXX XXXX  which I have been able to do before.
Product: Debt collection

This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. 
Thank you!
Product: Credit reporting

I have XXXX accounts that are over XXXX years old and should have already been removed from TransUnion. Because they have not been removed, They are affecting my credit score. I have requested they be removed and have received no response. 
I would have expected at least the fact they received my request.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX to pay off a charged-off account, I was told they no longer had the account and to contact MRS and associates. I called them immediately and told them I would like to settle the debt and be done with it, the phone rep said we can settle your account for XXXX and will send you a letter in the mail that the account has been settled and closed. She co-erced me to give her my debit card info because she said it would only take two days to process and would be the quickest route, which was a red flag and should have known that she was a con-artist then, I gave her my debit card number and she took the money out of my account and then set up recurinng payments without even telling me and the other issue is that they didn't even update the credit bureaus at all! They just took my hard earned money and could not get a person on the phone after that. They are TRASH and should be shut down. I have all the letter correspndance they sent me and will be glad to upload. On XXXX XXXX they updated the account to a derogatory account that's late and don't even know how that is possible because the account was settled but they sent me a letter in the mail that was dated XX/XX/XXXX but mysteriously just got it a week ago. They just took my money and think they can just get away with it. I really don't want to deal with this trash company again, so I would like the account to be updated to {$0.00} which was the original agreement that we made over the phone and the rep knows that was the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX, I submitted an electronic dispute to Trans Union via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that Trans Union received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account XXXX : XXXX XXXX XXXX - Date Opened XX/XX/2018
Product: Mortgage

On XX/XX/XXXX, Pulte Mortgage charged an application fee of {$610.00} which would be used for credit check right away and other costs if the mortgage was going to close. The majority portion of the fee was for running an appraisal on the property before closing. 

As of XX/XX/XXXX, I had not gotten approval for the mortgage from their underwriting and it was clear that Pulte Mortgage would not provide me a mortgage for the closing was XX/XX/XXXX. 

However, Pulte Mortgage went ahead with the appraisal of the property and did not refund me any of the application fee. My question is why did they go ahead with the appraisal when they were not going to approve me for the loan? 

Pulte Mortgage said they credit check cost was around {$50.00}. I want {$560.00} refunded.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX  XXXX.