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

Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding this inaccurate late account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 
This is my last request to your company to follow the law and conduct a proper investigation on these accounts. 
If you choose to send me a can letter and not investigate, I will instruct my FCRA attorney to move forward with escalating this issue. 
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX/XXXX XXXX****.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer who was affected by the recent XXXX computer glitch ( computer coding error ) which changed and miscalculated my XXXX credit score between XX/XX/XXXX and XX/XX/XXXX. Before the XXXX computer glitch my XXXX credit score was XXXX, but now my credit score is XXXX because of the XXXX computer coding error. The following unauthorized and fraudulent credit card accounts, collections account, public record and credit inquiries reappeared back on my XXXX credit report due to the the XXXX computer coding error : XXXX XXXX, Balance : {$330.00}, FXXXX XXXX XXXX XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX XXXX : {$5600.00} and BANKRUPTCY XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX MINNESOTA, Account Number XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, and XXXX, Hard Inquiry Date : XX/XX/XXXX. The following credit card account is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$71.00}.
Product: Debt collection

Metro Collections is attempting to collect debt from XXXX XXXX XXXX that was discharged in a bankruptcy. I sent a letter requesting verification of debt and told them the debt was discharged in a bankruptcy. They still have not forwarded evidence regarding the debt. They sent notification to the credit bureaus after I notified them the debt was discharged,  and my credit is being affected by this reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
Product: Mortgage

I availed of the XXXX  XXXX  ( XXXX XXXX XXXX  ) through XXXX. XXXX practically lost the documents that came with the closing packet and was not able to submit my applic in time to XXXX. Now, I can not avail of my {$2000.00} ( or 20 % of interest I paid ) yearly tax credit up to the life of my loan ( 30 years ). After lengthy follow ups, XXXX  offered to restucture my loan, but i still need to pay {$3000.00} plus to close. I refuse to do that. They also refuse to recompense me the equivalent of what I should have receive as tax credit for XX/XX/2017 and this year up to when we will finally restructure, had their company, through its agent done their due diligence.

NOt only I am not able to avail of my tax credit but they actually expect me to shell out MORE money! Preposterous.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to ongoing issues with their customer service and misleading practices. 

On Friday, XX/XX/24, I attempted to access my credit report through XXXX online platform. Despite multiple attempts, I was repeatedly directed to call their customer service number, XXXX, as the online process did not allow me to complete my request. The number provided did not connect me to a live representative, and the automated system only looped through various pre-recorded messages without offering any means to speak with a person. 

Desperate to resolve the issue, I had to find a different number and I had to resort to using a workaround by stating that I wanted to file a dispute, which finally connected me to a human representative. However, this was only possible through a different phone number than the one listed by Experian, which I found through external resources. This deceptive practice forced me to waste significant time and effort just to reach a person. After conducting some research, I discovered that many others have encountered similar issues, as widely reported on various online forums. This indicates a systemic problem that Experian has failed to address. 

When I eventually spoke with a representative, I was asked to verify my identity through a series of questions. I answered all questions correctly, but the representative insisted that my answers were incorrect. Despite knowing my information was accurate, I was then provided with yet another phone number, which also failed to connect me to a live person. This is a clear indication that Experian is fully aware that their listed customer service number does not reliably connect customers to real representatives. 

On Monday,XX/XX/24, I attempted to follow up again, but the phone calls were still unsuccessful. When I tried to proceed online, I was once more redirected to call the same ineffective phone number, which only led to more frustration. 

Experians failure to provide functional customer service lines and the need to rely on workarounds to reach a representative constitute false advertising and a failure to provide the services they promise. This issue has caused undue stress and wasted valuable time, all while I am trying to manage my credit information. 

I request that the CFPB investigates Experian for these repeated issues, as they clearly impact a significant number of consumers and violate fair service practices. 

Thank you for your attention to this matter.
Product: Mortgage

XX/XX/XXXX Filled for loan modification and assistance- application and other required documents. 

XX/XX/XXXX No assistance - still waiting - need IRS subordinate agreement - BB & T will not corporate with the Irs I wed the subordinate agreement approved in order to receive a modification and BB & T said I can not get a modification without the subordinate agreement. I have tax liens on my public records report for a business debt for payroll payments to the IRS. These reports show on my property has liens because I can not get them removed only by the irs. 

XX/XX/XXXX - modification. Application again not result or assistance. 

XX/XX/XXXX - complete motivation package XX/XX/XXXX - denied modification package XX/XX/XXXX - submit another modification package XX/XX/XXXX - package resubmitted and denied again XX/XX/XXXX - denied again XXXX Filled for loan modification and assistance- application and other required documents. 

XX/XX/XXXX - irs reaches out to the Truist Bank- formerly BB & T- no response from them. 

XX/XX/XXXX - time has expired with Truist Mortgage and I had to submit another modification package to avoid foreclosure. 

XX/XX/XXXX - Filled for loan modification and assistance- application and other required documents. this is 10 times that I have submitted a modification package to the mortgage company. And I keep getting the same run around! 

XXXX/XXXX/XXXX - another package was submitted and 45 to 60 days later same result. They let the Irs application expire and they will not send the required documents that irs representative is asking for which is the deed and the modification process that states I will not receive any funds from the modification just restart my mortgage. 

XX/XX/XXXX - submitted another modification package and another Irs application for the subordinate agreement for the tax liens and the truist is still refusing to assistance for a modification!
Product: Debt collection

I went XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX to seek treatment for a XXXX XXXX. I paid my required copayment and they filed the claim with my health insurance. I was under the impression that I have complied with the requirement for a health insurance claim. Nearly two years later, I now have a {$230.00} collection account on my credit report and will remain on my credit report for seven years unless the claim is paid by my insurance. 

When I contacted XXXX XXXX XXXX XXXX XXXX onXX/XX/2019, I was told the claim was denied because XXXX XXXX XXXX XXXX XXXX did not file claim within 12 months from the date of service. I file an appeal with XXXX XXXX XXXX XXXX XXXX of MS but my claim was denied stating it was not filed timely. I did not receive any correspondence from the creditors giving me an opportunity to pay for the bill before it was placed in collection and on my credit report. 

According to the Medical Debt Act of 2016, The bill amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period. I never received any documentation in writing about an unpaid medical bill. 

The account was reported to all three credit bureaus before 180 day after being delinquent. The date opened on the account is also incorrect. The date of service was XX/XX/2017, it is being reported on my credit reports as XX/XX/2018. I have disputed this debt with XXXX  and XXXX and the debt was verified as accurate. I have contacted the original credit and collection agency to pay the bill in full to have the item deleted, since this is clearly a clerical error for untimely processing. I had health insurance at the time of office visit. The original creditor stated they will call or email me back but I never heard from them. I am requesting that this item be deleted from my credit file.
Product: Consumer Loan

After numerous failed attempts to have Regional Acceptance Corp. To verify this so called debt that I do not owe them. They will not yet send me verification and they are reporting negative accounts on all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has put a fraudulent report on my credit ( Experian ) pretending I owe them money when I don't. In fact, they owe me several thousands dollars. 
In XXXX, I bought furniture with XXXX  XXXX XXXX XXXX XXXX. The money came out of my account, but wasn't sent to the furniture store. 
The then local bank manager paid the store by transferring the money from my account, but could not reach the XXXX  XXXX  department to get my money back. 
In XXXX, the bank sent the money back on a credit card. I misunderstood that the minus ( - ) sign before the amount ( {$6200.00} ) meant the card had the money on it as did a woman with the bank who told me to destroy the card. I did. 
After many, many conversations with bank reps, I was told I'd get a check. None came, but I have a statement showing the {$6200.00} on the card and a statement showing the amount was transferred and a check was sent, but no check arrived. 
Recently, I applied for a home equity loan with XXXX and was turned down for " bad credit '' ... .even though I pay my bills no later than two weeks after receipt. XXXX XXXX XXXX claimed I owe them {$350.00} which I do not. When I asked if I sent them the XXXX would they remove it, they said I had to ad bank fees and late fees and the amount was close to double... I sent a check and they still have the fraudulent report on Experrian. So, the bank has literally stolen my money and now put a totally false item on Experian damaging my formerly excellent credit. 
More recently, a XXXX XXXX called dunning me for things I didn't buy on cards with different numbers. I have a printed out scan of my cards and that statement showing the {$6200.00} was on the card the bank sent. I'd like to get my money back and have the erroneous charges on Experian etc. removed, not " charged off '' ... .... The bank has been unable to produce any singed sales slips and when I asked a XXXX XXXX for a printable list of what she's dunning me for, she came up with XXXX, XXXX... who I called..XXXX  gave me a print out on their message board that I haven't used their services and a person named XXXX at XXXX called me back to say I've never charged services with them on any XXXX XXXX  XXXX cards.. I called XXXX  and spoke to XXXX who assures me that I've never had a XXXX  card ending in the numbers that I used when I charged stuff with XXXX in the past. 
In XXXX I met with a XXXX XXXX who literally blew me off by claiming the banks own statements are fraudulent I thought I'd try one more time to have the erroneous charges taken off my formerly excellent credit rating, now lowered by XXXX. I paid attorney XXXX XXXX {$500.00} ... first {$200.00} cash to discuss then he demanded {$300.00} to proceed. He needed to know who I spoke to at the bank. After taking my money, he said, " I do not wish to help you and you can not have your money back. So, the bank stole my money, extorted more with false reports on my credit and influenced an attorney to take my money and not help.
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 the timely and effective measures to prevent and address fraud on thier platform, leaving my account vulnerable and unprotected Futhermore, 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 the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}
Product: Payday loan, title loan, personal loan, or advance loan

They offered an advance for my business after I gave all my financial information, and than wanted a 10 % escrow to cover the first 2 payments in the amount of {$15000.00}. After that I was not able to connect with the representative. I asked customer service to return the escrow money. Have not had any response from either of them.
Product: Debt collection

I've reached out to XXXX and the collection company and I was told to dispute collections with the credit bureaus
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED AND REPORTED, THROUGH AN PREVIOUS EMPLOYER AND XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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: Payday loan, title loan, or personal loan

I obtained a loan through XXXX XXXX  in XXXX XXXX ca via XXXX XXXX XX/XX/XXXX. XXXX, from my understanding, obtained the loan through XXXX XXXX. By XX/XX/XXXX, i hadnt received any services from XXXX XXXX  I informed XXXX and they told me i had to speak with the XXXX  company. I spoke with them and called XXXX again on XX/XX/XXXX. At that time i was given specific instructions on writing to request a refund from proceed finance. I was told i personally had to cancel the loan and request a refund of what Ive paid to XXXX. The letter requests a refund within XXXX to XXXX business days. 

XX/XX/XXXX, i called to follow up. I spoke with XXXX and XXXX, as well as a supervisor named XXXX. XXXX was helpful and promised to email the department that issues the refunds. I spoke with XXXX and she told me there wasnt nothing she could do to speed up any process of refunding what Ive paid them. She said it was unfortunate that i received erroneous information from the person that suggested 5 to 10 business days for processing. I then spoke with XXXX, t the supervisor. He found the refund in the system and suggested i would probably receive it the next week but he couldnt promise a day. 

XX/XX/XXXX i spoke with XXXX. She also saw my refund in the system but had no answer as to when i would receive my refund. She promised to email the department again that issues the checks and to also file a complaint on my behalf with the supervisor, XXXX XXXX who should give me a call back, and also with XXXX XXXX. 

Today is XX/XX/XXXX and i still have not received any call backs nor refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning CFPS I was going over my credit report and notice alot of errors In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Names : # List errors Accts : XXXX XXXXXXXX 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, Also fraudulent inquiries All listed Accounts/Companies have 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 : lt also states a consumer reporting agency can not furnish an 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 inaccurate