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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX TE XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$5100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$390.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$5300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXXXXXX XX/XX/XXXX {$720.00} XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XX/XX/XXXX {$460.00} Late Payment XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX InquirieXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, Transunion, XXXX, and XXXX.
Product: Debt collection

Hello, I really do n't know where to start, there are so so many of multiple complaints and issues with this company and their business peactices XXXX affiliate XXXX XXXX XXXX XXXX!!! XXXX Northwest Financial Services sent me collection letters that I certified back to them by mail with notice that I 'm disputing and want verification of the medical debt that NWF stated that I owed. I sent the certified letter by mail within their 30 day period and I never recieved a validation letter in return, but that is just one of the small things. NWF is continously sending me mutiple collection letters ' for my XXXX daughter that does not live with me yet alone we live in different towns. NWF is still sending me debt collection letters for the same same dates of services and with different amounts but same account number ... ..EXCEPT for XXXX collection letter that they mailed to me, stating that ai owed medical debt for services I never rendered. NWF removed my daughters name and then added my name with a fake/false account number that went with it and then they sent it to me for demand payment. I have all the documentation and the letters from XXXX XXXX XXXX and NWF, stating and showing the misrepresentation, false statements. Account numbers and amounts NWF stated that I owed. I have all the documentation, statements and itemized statements that shows their falsifying statements that this is not an active account number, etc ... ..again, this is just XXXX of the multiple and multiple of complaints and issues that I 've had with this company. I also want to file a complaint and I am in the process of filing a federal civil suit against both Northwest Financial Services and XXXX XXXX AKA XXXX XXXX XXXX regarding multiple issues, fraud, misrepresentation, etc. I do n't know if you guys can help me and aide me in yhis process and help me make the best decision that I need to, to take against suits against these companies. I 've had enough and they are not going to bully me make me lose any more sleep any more hours at work and any more time with my family by investigating this every year. Thank you so much for your time and I hope to be hearing from you to see what I can do to move on in the right direction of a federal civil suit and you can see all of my evidence against these businesses. Again, thank you for your time. XXXX XXXX XXXX has summons me to court already with all this debt, which I did WIN, however theyvare still harassing me and still sending more collection debt notifications by mail over same dates of services.
Product: Prepaid card

This Complaint is about More ... than just a Debit Card Issue. However, your system only allows me to select one option. One location and 2 employees of Community Choice/ Checksmart is causing all the problems with my XXXX XXXX Account. This is XXXX and his Manager. XXXX XXXX manager only for being Unresponsive and working towards No... Resolution. I have contacted the Corporate office of Community Choice/Checksmart Multiple ... times. I am only told that they can Not ... make the Local Office treat me Fairly, Equally, Respond and/or Resolve My Complaint Matters. Outrageous. 
I was advised by the corporate office to Always call before I go into any of my Local location to conduct business as I have a Special account where a Supervisor has to be their to assist with my account. I Always follow this rule because I like the Special Perks that I am Suppose... to be getting and I have Business Matters tied to this account. And... I do not want to start over with a regular account. 
1 ) XXXX, the supervisor, does Not give me his hours so that I can come in when he is there. He states that " He does not have to ''. His office is Usually the most convenient location. 
XXXX ) XXXX then charges me to make copies of my Account Balance. XXXX Admitted that he does Not... charge Other... consumers for this Exact same services. 
XXXX ) XXXX does not know why My account showed Closed After... I just added a Large... sum of money to my account. So XXXX does Not know the Competency Required to do his job as a Supervisor. 
Please Advise.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, Mercedes Benz reported my payment as late and refuses to fix the report. My car that I have is a lemon and i Am trying to do the buy back program so two of my car payments were moved to the back of my car loan. My payment is on time and not late but Mercedes Benz is still reporting its late even though they admitted it is an error and will not fix it. My credit score dropped XXXX points for this error. 

I have attached the loan agreement which states I was not late because the payment was deferred because of the buy back process.
Product: Credit reporting, credit repair services, 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 : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or 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 seven years.

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. XXXX XXXX updated the loan status to the XXXX credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX report & showing closed delinquent with a XXXX balance on myTransUnion report. As a result the errors have dramatically affected my overall credit scores as well as Fico scores related to auto financing. I have disputed the errors & requested updates from both TransUnion & XXXX but nothing has changed or been removed. The errors on the XXXX report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the XXXX XXXX TransUnion updated most of the information correctly XXXX with the exception of status being delinquent instead of current ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerned, I have reached out on multiple occasions to rectify inaccurate reporting of a balance owed on my credit report. In XXXX, said company First Heritage garnished my wages for the exact amount of said court ordered garnishment. Now the company reports to my credit every month stating I owe them a balance. The account was initially closed then reopened with this balance. I spoke with the branch manager and they can not tell me what said charges are for and sent me a letter to remove item from my credit report. Each time item is disputed by me with factual evidence First Heritage reports the information as accurate when it is not.
Product: Credit reporting or other personal consumer reports

This account is a charged off account on my credit report. I do not have any knowledge of these accounts. 

According to : 15 U.S.C 1681 ( e ) ( 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.

15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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

I called in to ask about the Forbearance process back in XX/XX/XXXX due to the hurricane that just hit and caused me to lose my job. I was told that the Forbearance had to be granted due to the circumstances and that I would get a 3 month break from my mortgage payment with no affect on my credit or payment history. I was also advised that the loan itself would not need to be changed and that the 3 payments would just be added to the end of the loan. All I needed to do was start to make my payments again after the 3 months. It turns out that was not accurate. A few months after I started making on-time payments as I was scheduled, I started to receive phone calls and letters asking me to either pay the full amount of the 3 months that were missed or I had to refinance my entire loan. After several months of back and forth and them continuously giving me bad advise and information about how things worked I just tried to take my loan elsewhere. However, since they stopped reporting to credit due to the situation, nobody would allow me to get a new loan on the home. So I was stuck with Cardinal Financial and had to jump through a thousand hoops to get the refinance done that never should have been needed in the first place according to the call I had originally made about the forbearance. Now that the refi has been completed, they are reporting to credit that I was more than 90 past due on a few payments and it is having a drastic affect on my credit score. I was told numerous times that once the refi had been completed the credit would  reflect no past due payments and it would look as if none of it ever happened. I have been trying to get this issue resolved with my credit since XX/XX/XXXX and I can't seem to get anybody to respond to my emails. When I call, I'm told I can't speak directly to that department and I just have to wait for them. I'm tired of waiting for them. Its been over 2 years I've been dealing with this all because I was misinformed from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX are in violation of The Fair Credit Reporting Act and has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I closed on my refinance with XXXX XXXX XXXX on XX/XX/2020 and soon after my mortgage was transferred to Loancare ( # XXXX ) for servicing. I received updated tax statement from my town stating that my taxes increased so I forwarded this to Loancare since there was an outstanding balance due to the increase taxes. I reached out to loancare several times within the last six weeks by email and phone and I was told over and over that my tax adjustment will be paid but it still haven't been paid. My municipality is currently adding interest to my taxes and I am concern that if this matter is not resolved soon, my township will take action against me.
Product: Credit card

I have been a Chase XXXX preferred customer since XXXX. In the middle of XXXX, XXXX I became aware of the new Chase XXXX reserve card. I simultaneously closed my XXXX preferred card account and opened my XXXX reserve card account. At the time I believed that my accumulated points, worth close to {$2000.00}, would be rolled-over from XXXX account to the next. 

Recently ( XXXX/XXXX/XXXX ) I received a notification that this is not the case and I will lose the XXXX {$2000.00} in cash value. I find this extremely disturbing because : 1 ) it seemed intuitively obvious that I would want the points rolled over and 2 ) I was not informed of the non-rollover policy at the time of closing XXXX account and opening another. If that was the case I would have certainly requested the payment in cash. 

I request your assistance in having Chase rollover the point value from my old account to my new account.
Product: Credit reporting or other personal consumer reports

Efforts to dispute these issues have yielded no results. Enclosed is the letter I sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter seriously. Failure to address my original request, sent via certified mail, will prompt me to file a complaint with the Federal Trade Commission against your company. I insist on a thorough reinvestigation of the following information and request proof of the alleged item, such as a contract, note, or other document bearing my signature. If such evidence can not be provided, I demand the prompt removal of these items from my report.
Product: Mortgage

During the closing/lending approval process, all documents from lender ( New American Funding ) were electronically sent and signed. Included in the breakdown of all fees, there was a " seller/lender credit '' listed at - {$7500.00}. Before I signed, I deliberately asked the lending officer what that was. I was told " just sign the documents so we can continue moving forward ''. As the time came closer, I received a call from the underwriter stating the funds needed at closing was far greater than showing on the documents I signed. The underwriter looped in the lending officer into a three way call back on Wednesday XX/XX/XXXX. When asked about the " credit '' the lending officer stated he listed that on the loan document as a way to make it thru underwriting without having to validate the entire closing cost amount was available in my cash accounts. I was never informed of this at any point in the process until the moment I was " blind-sided '' by the underwriter. I was then told by the lending officer I was either responsible for coming up with the money or I would be denied the mortgage loan. I feel very strongly I was misled and information listed on the lending documents was fraudulent in order to get a loan approved. I then reached out to the Regional Manager of New American Funding on Thursday with a return call from him on Friday XX/XX/XXXX and he proceeded to stand up for his employee stating " he made a mistake and there was nothing they can do for me ''.
Product: Debt collection

XX/XX/2019, two accounts were opened under my name at CONN XXXX. One was for {$11000.00} and the other {$2500.00}. I called them XX/XX/2019 and told them that it was fraud. I filled out an Identity Theft Victim 's Complaint and Affidavit in XX/XX/2019 and a Police report in XX/XX/2019. After many attempts, XXXX XXXX in the fraud department at CONNs Appliances denied my claim. After many many disputes, the two credit cards are still showing up on my credit report. 

I
Product: Prepaid card

On XX/XX/XXXX I was released from XXXX  after being XXXX  for about 2 years, and a couple months. I had trouble signing into my bank of America unemployment account and for whatever reason had to have a new card sent to me, after verifying my identity and correcting a address and account they had on my profile that was not mine. Also I had to file a dispute on XX/XX/XXXX once all that was wrong was corrected and I was able to get into my account, once in I had seen my money my XXXX XXXX I had rightfully claimed back in XXXX of XXXX was gone every XXXX spent, I was XXXX  on XX/XX/XXXX when XXXX  the officers did not let me bring my belongings but I thought my mom would come to collect them from my car where I was XXXX  at. What I didn't know was that someone else got there first and got my belongings, and clearly spent all my unemployment that I had been saving my dispute ended up being for {$16000.00} on XX/XX/XXXX the day before I got XXXX  bank of America had finally released my funds after having them frozen for almost a year. I filed these disputes with bank of America soon as I got out a long with correcting all the wrong information someone switched my info with, I verified my identity and it has been well over 15 days now and no word from them no update nothing except when I called a lady told me okay they obviously see there's unauthorized transactions going on and it's clear somebody did hack in your account around the time you were XXXX  but it's still being investigated it could take up to 90 days and they will not provide me with any provisional credit I feel like they clearly see it's not me in my account and they still are not trying to provide me with my money back. I am homeless now with nothing when I had something when I was XXXX  and should of had that when I got out.