23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. The time has now passed and they are not following the laws set forth in the FCRA ACT I have a hard inquiry from Equifax on my credit report. I did not make this request and want it removed immediately. I received this from XXXX XXXX XXXX XXXX Thank you for your interest in a XXXX XXXX XXXX. At this time, we're unable to approve your application. We're unable to approve your application for the following reason ( s ) : Unable to confirm your application request per your credit report victim alert Important information about your credit report Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency ( or agencies ) : Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX equifax.com So my question is why did it go through if I have the victim alert on my report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report using XXXX. I noticed my report had recently dropped by XXXX points so I wanted to know why. I discovered that XXXX and XXXX both showed missed payments on my student loans. The loan servicer is Aidvantage. I am still in school my first payment isn't due until XXXX. I immediately requested information from Aidvantage, but I have not heard back. I believe this to be a clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. 

Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Got the loan for XXXX around XX/XX/2018 and had pay XXXX a month (automatically debited every two weeks XXXX ) cash central kept closing the accountant with no balance or reporting the balance has over XXXX   and also payment history was not reported correctly on my credit too were I disputed 4x’s for them to fix. They finally reported this month a late payment with an increase of XXXX on my credit. That dropped my credit score almost 150 points. I called the credit company (XXXX) to remove this from my credit and was told I had to ask Cash Central to remove. Needless to say Cash Central haven’t fixed anything, and when I have talked to them numerous times to get an explanation or get a breakdown of were the XXXX a month is being applied ,they haven’t provided anything nor answered my questions. They hung up on me (disconnected from being told once I call back) numerous times as well. So fed up with them taking XXXX a month and miss leading reporting to credit bureaus and balance is never going down just up.
Product: Debt collection

This compliant is regarding Portfolio Recovery, which they claim I have open account in the amount of {$180.00} that was apparently opened XX/XX/XXXX. Please be advised that not only do I have no knowledge of the trade line they are reporting on my credit report, but they are in violation of the Arizona Debt Collection Act FIN Code : 32-1001 et seq. Which prohibits a debt collector or credit bureau from engaging in debt collection in Arizona unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the with the Arizona Department of Financial Institution. 
The ARIZONA DEBT COLLECTION ACT " ( ASCT ) '' defines a debt collector as any " person who directly or indirectly engages in debt collection ... '' and further applies to creditors attempting to collect their own debts. ARZ. FIN. CODE 32-1001 ( a ) ( b ) Furthermore, Sec.32-10559 ( b ) ( c ) of the ARZ. FIN. CODE. " prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the results of sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collections attempts. 

" ( R ) Reporting a debt to a credit reporting agency is powerful tool designed, In part, to Wrench compliance with payment terms ... ... " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( E.D.Pa. XXXX ) ; XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( D ) ebt collections use the reporting mechanism as a tool to persuade consumers to pay. Just like dunning letters and telephone calls. XXXX XXXX, letter from Federal Trade Commission Attorney 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: Credit reporting, credit repair services, or other personal consumer reports

IhavemanyincorrectinquiriesonmycreditreportthatIhaveneverbeenaffiliatedwith.Evensomeofthenamesandaddressesonmyreportarewrong.Idonotunderstandhowthesethingsarebeingtiedtomynamebutihavenothingtodowiththis.

XXXXXXXXXXXXXXXXXXXXXXXXUSDEPTEDXXXXUSDEPTEDXXXXXXXXXXXXOFED/XXXXXXXXXXXXXXXXXXXXXXXXUSDEPTEDXXXXUSDEPTEDXXXXXXXXXXXXXXXX
Product: Credit card or prepaid card

Summary : I purchased goods from a company in XX/XX/XXXX who went bankrupt in XXXX of XXXX and never placed my order. I have never received the goods that I paid {$5100.00} for and Discover to refusing to refund my money. Discover clearly states on their website that " incomplete service '' is a valid reason to dispute the purchase : From Discover 's website, " How to Dispute a Credit Card Charge '' : " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I have worked tirelessly, submitting documents showing clearly that the company is no longer functioning, that they have told me that I will never receive the goods that I paid for, and have spent hours on the phone with Discover. Discover requires that I make a " good-faith effort '' with the merchant first, which I have attempted to do. Since the company no longer exists I have not been able to successfully reach them. 

XXXX : XX/XX/XXXX : Purchased XXXX pieces of furniture from XXXX XXXX  for XXXX using my Discover credit card. Was told by XXXX XXXX that the items would be shipped in XXXX weeks. 

XX/XX/XXXX : Received an email from XXXX XXXX saying the furniture would not be delivered until XX/XX/XXXX. 

XX/XX/XXXX : Received an email from XXXX XXXX  saying they filed for bankruptcy and liquidation of all assets. Order status was changed to " Currently unable to fulfill. '' XX/XX/XXXX : Filed dispute with Discover for fraud due to " goods never received ''. Uploaded all documentation from XXXX XXXX  declaring bankruptcy. 

XX/XX/XXXX : Receive status update from XXXX XXXX  : " Unable to fulfill order '' XX/XX/XXXX : Discover says they have completed the investigation and the transaction is found to be valid. 

XX/XX/XXXX : Called Discover to reopen dispute, Discover says they can not reopen but will send to supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, no update XX/XX/XXXX : Called Discover, they say that I must contact XXXX XXXX and get proof that credit is due on this account. Can not contact XXXX XXXX  as they have not been a company since XX/XX/XXXX.
Product: Credit card or prepaid card

This Visa credit card which was used for XXXX transactions, had two fraudulent charges appear, one from XXXX XXXX for {$1100.00} and the other from XXXX XXXX for {$22.00} on the same day XX/XX/2018. I knew I didn't do these transactions because this is the card I only use at XXXX ( I use a MasterCard which gets mileage points for Non-XXXX transactions ) I wouldn't ever in my life go to a XXXX XXXX and spend over a thousand dollars and I don't know how anyone could spend that much money at a XXXX XXXX without XXXX XXXX   requesting a copy of an ID, it seems like there should be a threshold where they should check for ID for unusually high transactions over {$1000.00}! Also, I wouldn't have gone to XXXX XXXX because I don't drink coffee, ever. 

I reported the transactions as fraudulent to Citi but they shockingly denied my claim because they said the card was, " protected with an embedded EMV chip and was used at a chip enabled card reader. '' I don't know if it's related or not, but there were two duplicate cards which Citi mailed on separate days. I only received one of them. I suggested perhaps it was this other card which was used, but they claim that argument doesn't work because they say the card which was used for the fraudulent transactions was the same card I used for non fraudulent transactions which occurred sometime later, so they say the charges aren't fraud because of that. I am positive the transactions are fraudulent, but I didn't know how to prove it since I am not an expert in this area. 

After my repeatedly insisting that the charges were fraudulent and there must be a way I can get Citi to reverse their decision, I was told that I could just get a police report case number to them and if the police can confirm I was not the person who performed the transactions, it would result in Citi deciding in my favor. I got the police to do an investigation and I sent Citi the police case number and an email from the investigating officer confirming the suspect on the surveillance camera footage was not me, but didn't get a follow up from Citi after that. I tried to call Citi on several occasions to get the case decided in my favor since I provided the police case number, but they won't give me an update. Today I called Citi again to try to get an update and was told they refuse to take phone calls from me in the security department and all other correspondence must be in writing about this matter. I told them that is ridiculous and I gave them the case number as they asked for so this should be resolved now. I also sent Citi a copy of the actual police report which proves it wasn't me who made the transactions. 

I have attached the ( 1 ) police report confirming the suspect who used the card fraudulently was not me, ( 2 ) the  credit card statement which has the two fraudulent transactions circled, and ( 3 ) the denial letter Citi saying they are denying my fraud claim. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT OWE ANYTHING. THIS IS A FRAUD ACCOUNT. IT IS A DIRECT VIOLATION OF MY CREDIT RIGHTS. 15 USC 1692C. ( C ) VIOLATION, 15 USC 1681A ( 4 ) VIOLATION, 15 USC 1692 C ( 3 ) VIOLATION, 15 USC 1692 B ( 5 ) VIOLATION, 15 USC 1692 F ( 8 ) VIOLATION. BOTH OF THESE FRAUD COLLECTIONS ARE APPEARING ON MY EQUIFAX CREDIT FILE. CONFIRMATION FOR REPORT # XXXX ADVERSE ACCOUNTS/ FRAUD UNAUTHORIZED ACCOUNTS XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you examine the documents? Some accounts are reported inaccurately in terms of reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) Due to inadequate customer serviceand u fair practices, which violates which violates 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 u protected. Furthermore their dispute resolution process was unfair and deceptively as the did not comply with error resolution requirements under the ElectronicFunds Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Credit card or prepaid card

XX/XX/2019 I purchased a product from XXXX it was free plus XXXX shipping. But I was charged {$42.00}. They claimed I signed up for a subscription. I did not. What it looks like is they automatically sign you up and claim that you did. I contacted the credit card company discover card and told them about this fraudulent charge. They claim they can not do anything besides the fact I informed them the documents are fraudulent. They claim I need to talk to the criminals that set this sight up which is XXXX I feel discover card is willingly working with these criminals on consumer fraud.
Product: Money transfer, virtual currency, or money service

My phone was stolen and I called them to report that and they did lock my account and or card so all the money I had in my account was gone they did a car payment and send money to the same persone allot of time they said that they secured my account ya after my money was gone they said they didn't find any errors becuz it was all done thro my app that's because they had my fone so there finding determined that no error secured
Product: Student loan

Navient is reporting that XXXX of my private loans were late when they were supposed to be deferred. The rest of my private loans are not reported late and they were due to error with Navient or whoever they call themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
Product: Debt collection

On XX/XX/XXXX a call was placed to XXXX XXXX requesting a copy or original bill as well as the collection bill. Nothing was ever received. Today XX/XX/XXXX a call was made again requesting and wanting to know why the documents were not sent. This rude lady said they arent required to send original bill even though they work for XXXX XXXX   XXXX. I again requested copies. They were given address to send to.2 addresses and neither address received one. At first she stated that when the bill was disputed they had to send to address XXXX has on file. Well the call was made requesting information 3 weeks prior to that. Enough time to send to address requested. Yet they did not. These bills were a surprise. My ex wife has put me down as responsible party and weve Been divorced for 7 years. I have not been to XXXX XXXX. Thats why a request was made for original bills and to see who signed the forms at office for procedures. Ive received bills with my ex wife being patient and me as responsible party. Im not sure how a hospital or medical business can add a person as responsible party without their consent. This needs removed off my credit. Ive given them since XX/XX/XXXX to produce a bill and they refuse and say they can only send the collection bill. Before I or anyone pays a bill they are unaware of. They should have right to see what they're paying for. Since they have not been a patient at place bill is from.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Debt Collection Agency : The Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX reports account opening in XX/XX/XXXX for the original amount of {$750.00}. XX/XX/XXXX account charged off for {$830.00}. {$830.00} written off. Account status remains Charged Off/ Failed to Pay on XXXX Credit Bureau on XX/XX/XXXX. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Called XXXX XXXX to see if they still had account. They said they no longer have files regarding the account number listed on the credit report and the account is closed but not sold off. They use the help of The Best Service Company to help them acquire the debt. Any further inquiries must be made through the collection company. 

The Best Service Company reports date of account opened as of XX/XX/XXXX. They report credit limit or original amount of {$830.00}. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Recieved first time letter from The Best Service Company on XX/XX/XXXX. Letter claims Balance Due : {$1100.00}. Anual Int. Rate : 10 % Letter states recieving dispute, but for them to first investigate my claim, I must describe in detail the basis of my dispute. I must also provide all documentation to support my dispute. Without any documentation, they will continue to credit report. I called The Best Service Company to inquire about the account asking if they had physical documentation stating they could collect the debt and the accuracy of the information regarding the account. The representative said she was not aware of having such documentation and said she did not know what I meant. She started to go over the information on the account and it was different from the information originally reported by XXXX XXXX. I started to question if the account was mine. She said I was talking over her and she was ending the phone call and hung up. I sent out a letter of verification inquiring about the account in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TRANSUNION are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, XXXX and TRANSUNION is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, XXXX and TRANSUNION to report any information and Consumer did not authorize anyone employed at XXXX, XXXX and TRANSUNION to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, XXXX and TRANSUNION and have been railroaded by XXXX, XXXX and TRANSUNION to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, XXXX and TRANSUNION to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, XXXX and TRANSUNION do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, XXXX and TRANSUNION has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Our loan servicer is Amerihome Mortage company. We took a forbearance for Covid and when that was over, we attempted to resume our payments as usual. They wanted the lump sum at once, which we were unable to do. They instructed us to complete a Loss Mitigation application, which we did. However, they are not allowing us to make any payments towards our mortgage and have not allowed us to make any payments since XXXX. We have contacted them multiple times both online and via phone to attempt to make payments. Now our loan is in default and we could potentially lose our home because they are not allowing us to make our monthly payments. They also send me emails stating I have documents ready to view in my loan portal and then there is nothing there. It has been a communication nightmare trying to deal with this company and we are terrified we are going to lose our home because of it.
Product: Debt collection

I dont know nothing about this debt. report as fraud, i contacted the apartment and they advise to file a dispute to resolved this.
Product: Debt collection

CFPB THIS IS NOT A DU ; ICATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX OFFICE. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. 

IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.