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

The company will not allow me to access my credit report or update my email. My information has been broadcast by the person who has access to my old email address.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX  Balance : {$9500.00}
Product: Debt collection

Received XXXX messages. Both messages were the same. The first was from " XXXX '' the second was from " XXXX '' " this is XXXX at XXXX with the litigation support services. You have a pending case in our office that requires your immediate attention it is imperative that I speak with you or your attorney of record immediately today my number is XXXX XXXX XXXX if I do not hear from you or your attorney of record I will document that you waive your right to counsel and submit your case covering yourself accordingly '' I called them and they said they put a warrant out for my arrest in my county. They knew the last XXXX of my social security number. I told them to hold while I got my attorney on the line ( a fake stement ) and they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received my XXXX dispute report number XXXX. General Revenue needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Chime has suspended my account to where I can not use any of my money. I received my direct deposit from my employer into my account and Im unable to use it due to them suspending my account and not resolving it. They suspended my account on XX/XX/2022 at XXXX due to unusual activity when I was just trying to login and update my phone number since I dont have the old number anymore. Chime wouldnt let me use my phone number because it said it was used on another account so I tried using another number. I provided them with all the information they needed including proof that that is my phone number right after they asked for it! Im a XXXX XXXX XXXX with low income and Im unable to buy food, pay bills and put gas in my vehicle to go to work now. Every time I call they inform me they can not do anything to help me to unsuspend my account and that I have to wait. Everytime I called they told me it would be resolved in a couple hours and gave me a different time frame every single time I called and talked to someone which it never became resolved. I am at very upset because now I have no way in providing for myself and my kids due to this issue and its not being resolved. I have been a loyal customer with them for XXXX years with no issues until now. I need help and they refuse to help me so I can use my money that I worked for! Im now worried Im going to lose my job because I can not drive my vehicle to and from work, Im also worried Ill have my utilities turned off and have no way of feeding me and my kids. I need help please!
Product: Mortgage

I was place in a repayment plan XXXX of XXXX. My original mortgage payment was for {$2700.00}, it increased to {$3300.00} once I was place in a repayment program for 24 months. I hace been consistent since XX/XX/XXXX. My original past due balance was {$14000.00}. I have made {$32.00}, XXXX since I have been on this program. 

I am in receipt of a notice informing me they are removing me from the program and I am due to pay {$16000.00} in full by XX/XX/XXXX otherwise they will start a foreclosure process. I should only owe for XXXX and XXXX total of {$5700.00}. This is the 2nd time I try to refinance and they have prevented me from obtaining a new loan. I had previously spent 7 months trying to have them correct their mistake when they reported me late to the credit agencies. I received letter of apology from them in XXXX and here we are in XXXX and I am going through the same experience when I tried to refinance the first time. 

I would great appreciate your help
Product: Debt collection

Account Names : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX the accounts above XXXX, XXXX XXXX and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. I demand that XXXX, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/XXXX has violated my rights. 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

In accordance with The Fair Credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX @ XXXX XXXX original creditor XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX original creditor XXXX XXXX, Account XXXX XXXX XXXX XXXX  original creditor XXXX, Account # XXXX XXXX XXXX original creditor XXXX, Account # XXXX XXXX  XXXX XXXX XXXX original creditor XXXX XXXX 

15 U.S.C 1681 section 602a States I had the right to privacy.

15 USC 1681 Section 604 A section 2. It also States a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I transferred money to a legit foreign bank account in XXXX using my debit card. The money is an attorney fee regarding a probate case due to my mother inheritance. The money has been never received. I filed a complaint with Moneygram, they opened a case. 2 weeks later they emailed me stating that that was an error from their part and the just sent the money and it was processed by the foreign bank. Well it wasnt. I emailed to Moneygram again and they replied that they will investigate and let me know. It was weeks ago. I have not heard from Moneygram and I naturally the money still hasnt showed up in the bank. 
I emailed them again requesting a refund as I had to resend the money via another company. 
They stole my money and I cant really get it back due to the fact that it was from my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX #XXXX is reporting an account to my credit report that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it should not be on my credit report. I would like this removed immediately.
Product: Money transfer, virtual currency, or money service

PayPal has held funds illegally under the electronic funds transfer Act. PayPal has not fully disclosed terms and conditions. PayPal account where electronic funds are held illegally is XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have purchased XXXX credit card in XXXX. And i am paying my bills every month. Then also they haven't deducted bill amount. But they have overcharged me 30,000 rupees extra. 
When i complained to customer they talk to me rudely. 
I am in XXXX. 
If anything happens with me XXXX CREDIT Card will be responsible for this. 
Please help me to solve my problem.
Product: Debt collection

In XXXX I applied and was granted a PPP Loan with XXXX XXXXXXXX XXXX during lock down due to COVID. At that time I applied and was approved for forbearance. At no time did I receive a notice from XXXXXXXX XXXX XXXX  that my loan had been transferred to SCRATCH. 

On XXXX XXXX, XXXX I received a letter from SCRATCH LLC stating that I was delinquent in repayment of this loan. I called and left voice messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to SCRATCH requesting documentation that I owed them for any late or finance fees in connection with the PPP loan from XXXX XXXXXXXX XXXX 

On XX/XX/XXXX I sent an email requesting documentation again for the so called late fees on the loan. On XX/XX/XXXX I was emailed an access link to an online account and advised to complete the forbearance application. I was advised that this application was approved. 

On XX/XX/XXXX I received an email stating that there were more " late fees '' due. I emailed requesting documentation. No documentation was received. 

On XX/XX/XXXX I called SCRATCH. I spoke with a representative who looked through my " file '' and said that I had to pay the late fees but she saw that the forbearance was approved on XX/XX/XXXX. I tried to log into the account and was denied access while speaking with the representative. XXXX minutes later we were disconnected. I called back and spoke with " XXXX '' who advised me that in the beginning of them taking over these loans their representatives were telling clients that if they got approved for the forbearance that they wouldn't owe any interest or late fees. She told me that if I agreed to pay {$150.00} that she would escalate the file to be written off and close the account. I paid this amount on XX/XX/XXXX. On XX/XX/XXXX I received an email stating that I had to complete a forbearance application. I tried to login into my online account and was denied access again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Vehicle loan or lease

purchased XXXX  XXXX XXXXXXXX XXXX from Westlake Finical, Loan was leased to another company ' mileage speed odometer ' was wrong on car ' loan was not properly instructed ' wasn't given the Option to Opt-Out. car was at the time of purchase and still a having multiple issues with this vehicle. contacted the XXXX  they seemed to not want to help " requested money back or a working reliable vehicle and was not given option ''only TO PAY! and nothing they can do!! 
I need HelP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit card through chase bank - I as approved for an {$18000.00} credit limit - I got an activated the card and charged about {$10000.00} on it in XXXX - I made a {$4800.00} payment in XXXX - I also charged a new approx {$4000.00} charge in XXXX - I went to usethe card the other day and it was declined - I called chase bank and was told chase closed the account but they could not disclose the reason to me - now this iis negatively affecting my credit report by having a new account that was closed with a balance on it and also caused me to have to apply for new card at a different bank which also negatively affected my credit score - all payments were up to date and i was never behind nor ever over the limit - in addition I am XXXX  XXXX with XXXX and this will affect that account as well - card number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$130.00} 4 ) XXXX XXXX XXXX {$350.00} 5 ) XXXX  XXXX {$71.00} 6 ) XXXX XXXX XXXX {$140.00} 7 ) XXXX XXXX {$30.00} 8 ) US Dept of Education {$3800.00} 9 ) XXXX XXXX
Product: Mortgage

My original lender was XXXX XXXX and on or about XX/XX/2012, the mortgage was transferred to Ocwen without any knowledge to us the home owners. With XXXX we were in the process of getting approved for a permanent modification and everything went down hill from there. We made the trial payments to XXXX Mortgage and I sent the 3rd, 4th, and fifth payment was not ever cashed by XXXX. As I noticed that the checks were not deposited by XXXX, I decided to call and inquire as to why they did not cash the checks. We were told that the mortgage is no longer with XXXX and that it was transferred and sold to Ocwen Mortgage company. We had not received any notices to inform us that we needed to deal with Ocwen now. I finally found Ocwen 's number and I kept calling XX/XX/2012 to see what my status was and what was going on with the modification. They did not have any information from XXXX nor did they say that I was under the modification trial and awaiting a response. I have attempted several time to modify my loan each time I was given the run around and now the debt has accumulated over time. We were given misleading information regarding the loan that had been transferred from XXXX. They have failed to provide accurate and timely information to us while we sought information about loss mitigation services, including loan modifications. They misrepresented that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; providing false or misleading information about the status of the loss mitigation review, including while referring loans to foreclosure, provided false or misleading information about the status of foreclosure proceedings while we were pursuing a loss mitigation alternative offered by the Servicers. I assume that they failed to properly calculate the eligibility for loan modification programs and improperly denying loan modification relief to eligible borrowers ; failing to properly process borrowers ' applications for loan modifications, including failing to account for documents submitted by borrowers and failing to respond to borrowers ' reasonable requests for information and assistance, and as a result, denying loan modifications to us thinking all that time that we were eligible, they provided false or misleading reasons for denial of loan modifications, with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers in this case from XXXX who was our previous servicer. It has been a difficult time for us in the past and now that we are getting to a point where we can afford payments Ocwen refuses to speak to us or return our calls and when they do, we are given to other representatives where we leave messages but never get any calls from them. I am afraid that the property may have been sold under our nose and or put in foreclosure and we were not given the opportunity to attempt any chances of saving our home. I googled the home and other owners have been named and the address for the loan is different from the address of my home. I have attached some documents for your review as well to verify our claim.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute due to the blatant violations of the Fair Credit Reporting Act as mentioned below. Congress has found that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Correction to the following violations of law needs to be performed to ensure the protection of the consumers rights. 

Violations : 1. The law ( 15 USC 1681 ( 2 ) ( A ) ( i ) ) excludes transactions or experiences between the consumer and the person making the report. 

The law does not permit transactional history to be displayed on the report but every account on my credit report contains transactional history which completely violates my right to privacy. 

THERES NO NEED TO LIST EACH ACCOUNT THAT IS IMPACTED BY THE STATED VIOLATIONS BECAUSE EVERY ACCOUNT IS REPORTING TRANSACTIONAL HISTORY. 

2. The law ( 15 U.S. Code 1681b ) requires permissible purpose in written form from the consumer before adding anything to the consumers report. 

This agency did not receive my consent in any form before adding a collections account to my report nor do I consent to the report of this account. 

Collections : XXXX XXXX XXXX 3. The law ( 15 U.S. Code 1681b ) requires permissible purpose in written form from the consumer before adding anything to the consumers report. 

This agency did not receive my consent in any form before adding inquiries to my report nor do I consent to the report of any inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I have been trying to get some assistance from Loan Care and they will not return my call. I wrote them a letter on XX/XX/2020 regarding my XX/XX/XXXX mortgage payment. Funds in the amount of {$2500.00} left my bank account on XX/XX/2020 and they never applied them to my mortgage balance. When I discovered this I made an additional payment over the phone for {$2500.00} on XX/XX/2020 because they said if I did not I would be reported as delinquent to the credit bureau 's. 

I received a letter back from them on XX/XX/XXXX through this website still insisting they did not receive my payment and requesting proof of payment from XXXX ( my bank ). The letter was signed by XXXX XXXX at XXXX ext XXXX. I left him 2 voicemails asking if he would please provide an email address so I could email him the proof of payment from XXXX. I have not heard back and I just don't know what to do at this point. I would like my additional mortgage payment returned to me. 

Any assistance you could provide in this matter would be appreciated.